976 Cook Ave E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 976 Cook Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 988 sqft · built 1929
Lot Size	0.114 acres (4,966 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (May 2019)
Tax Bill	$3,812 (2023)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-29-22-24-0125`

Property Details

APN / Parcel Number

Primary APN	`28-29-22-24-0125`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1956
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	976 COOK AVE E
City	SAINT PAUL
State	MN
Zip	55106-3235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	FORESTDALE ADDITION LOT 6 BLK 2
Legal Range	22
Legal Township	29
Legal Section	28
Legal Quarter	2
Quarter-Quarter Section	4
Legal Subdivision	FORESTDALE ADDITION
Legal Block	2
Legal Lot Number	6
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3006
Census Tract	31600

Owner

Source: Ramsey County assessment roll, as of February 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	976 COOK AVE E, SAINT PAUL, MN 55106-3235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MTG
May 7, 2019	Warranty Deed, Transfer CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Prior Sale	Apr 5, 2004 · Amount on Record
Deed Document Number	A04755299
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	976 COOK AVE E, SAINT PAUL, MN 55106-3235
Document Number	0004830399
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	976 COOK AVE E ST PAUL MN 551063235, ST PAUL, MN 55106-3235

Mortgage

Document Number	0004830399
Date	Sep 2, 2020
Instrument	4830399

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 7, 2019
Property Address	976 COOK AVE E, SAINT PAUL, MN 55106-3235
Document Number	0004755299
Instrument Date	Apr 4, 2019
Instrument	4755299
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	976 COOK AVE E ST PAUL MN 551063235, ST PAUL, MN 55106-3235

Mortgage

Document Number	4755300
Date	May 7, 2019
Instrument	4755300

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	St. Paul City
Unified School District	St. Paul Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,812.00 Homeowner's exemption	$218,600 Land $20,000 Building $198,600	$218,600 Land $20,000 Building $198,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1987)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1987 · Severe Storms, Tornadoes & Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Saint Paul Regional Water Services serves 392,529 people · EPA ID MN1620026
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2022
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 894 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: LTD Broadband, T-Mobile USA, Verizon.

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