NOT LISTED FOR SALE

657 Cottage Ave E Saint Paul, MN 55106

Payne-Phalen Neighborhood

Estimated Value: $237,000 - $260,365

3 Beds
1 Bath
1,440 Sq Ft
$174/Sq Ft Est. Value

Sale Details

Date Sold: March 29, 2024

Last sale price $230,000 $160 Per Sq Ft

Est. 9% increase in value since last sale

Current estimated payment $1,637 / mo

3 Days on Market

Highlights

  • Deck
  • No HOA
  • Living Room
  • Sun or Florida Room
  • Patio
  • Forced Air Heating and Cooling System

About This Home

As of March 2024

Multiple offers received, seller has accepted one, if anything changes we will notify. Sundays open house cancelled. WOW opportunity in a desirable St. Paul! This 1940's charmer perfectly mixes original features with modern living. 657 Cottage features tall ceilings w/ 2 bedrooms on the main floor plus 1 full bathroom that has been completely renovated. You'll notice so much original character that's been preserved such as original hardwood floors and coved ceilings. The main floor is complete w/ an oversized living room that leads to your kitchen with ample storage and counter space! Just off the kitchen is the prettiest 4 season porch overlooking your backyard. Newer windows throughout, upstairs has your 3rd bedroom plus 2nd living space/office/bonus room. Lower level is unfinished and your possibilities are endless! The fenced in backyard leads to your 1 car garage. Other perks: Near parks, miles of bike/walking trails, easy highway access, near the lakes & so much more.

Last Agent to Sell the Property

Sara Melby Thomas

eXp Realty Listed on: 02/27/2024

eXp Realty

Co-Listed By

Kelly Brown

eXp Realty

Last Buyer's Agent

Lindsay Reine

Anderson Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,940

Year Built

  • Built in 1947

Lot Details

  • 3,964 Sq Ft Lot
  • Lot Dimensions are 102x39
  • Chain Link Fence

Parking

  • 1 Car Garage

Interior Spaces

  • 1,440 Sq Ft Home
  • 1.5-Story Property
  • Family Room with Fireplace
  • Living Room
  • Sun or Florida Room
  • Finished Basement
  • Basement Fills Entire Space Under The House

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 1 Full Bathroom

Outdoor Features

  • Deck
  • Patio

Utilities

  • Forced Air Heating and Cooling System

Community Details

  • No Home Owners Association
  • Denny Hill Add Subdivision

Listing and Financial Details

  • Assessor Parcel Number 202922420138

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,940

Year Built

Built in 1947

Lot Details

3,964 Sq Ft Lot

Parking

1

Listing Details

  • Type: Residential
  • Property Subtype 1: Single Family Residence
  • Cooling System: Central Air
  • Garage Spaces: 1
  • Accessibility Features: None
  • Fireplaces: 1
  • Water Source: City Water/Connected
  • Year Built: 1947
  • Above Grade Finished Sq Ft: 1440
  • Unit Levels: One and One Half
  • New Construction: No
  • FractionalOwnershipYN: No
  • Rental License?: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Basement: Finished, Full
  • Fireplace Features: Family Room
  • Living Area: 1440
  • Fireplace: Yes
  • Basement YN: Yes
  • Dining Room Type: Living Room, Bedroom 1, Bedroom 2, Bedroom 3, Sun Room, Kitchen, Patio, Deck

Beds/Baths

  • Full Bathrooms: 1
  • Total Bedrooms: 3

Exterior Features

  • Fencing: Chain Link
  • Neighborhood: Payne-Phalen
  • PatioPorchType: Deck,Patio

Garage/Parking

  • Parking Features: None

Utilities

  • Heating: Forced Air
  • Sewer: City Sewer/Connected
  • Fuel: Natural Gas

Condo/Co-op/Association

  • Association: No
  • Amenities Unit: Sun Room

Schools

  • Junior High Dist: St. Paul
  • SchoolDistrictPhone: 651-767-8100

Lot Info

  • PropertyAttachedYN: No
  • Lot Size: 102x39
  • Lot Size Sq Ft: 3963.96
  • Land Lease: No
  • Additional Parcels: No
  • Zoning Description: Residential-Single Family
  • ResoLotSizeUnits: Acres
  • AssessmentPending: Unknown
  • Yearly/Seasonal: Yearly

Building Info

  • Construction Materials: Stucco

Tax Info

  • Tax Year: 2023
  • Assessor Parcel Number: 202922420138
  • Tax Annual Amount: 3940
  • TaxWithAssessments: 3940.0000

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 27, 2024
Closed on
Mar 29, 2024
Sold by
Olson Sonja L
Bought by
Peck Robert and Peck Karly Jo
Seller's Agent
Sara Melby Thomas
eXp Realty
Buyer's Agent
Lindsay Reine
Anderson Realty
List Price
$225,000
Sold Price
$230,000
Premium/Discount to List
$5,000
2.22%
Views
41
Current Estimated Value
$251,091

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$21,091
Avg. Annual Appreciation
4.23%
Original Mortgage
$218,500
Outstanding Balance
$215,248
Interest Rate
6.9%
Mortgage Type
New Conventional
Estimated Equity
$35,843

Purchase Details

Closed on
Sep 5, 2008
Sold by
Federal National Mortgage Association
Bought by
Olson Sonja L

Purchase Details

Closed on
Jul 30, 1996
Sold by
Lind Norman R and Lind Tara
Bought by
Diaz Francisco
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Peck Robert $230,000 American Title
Olson Sonja L $70,000 --
Diaz Francisco $63,000 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Peck Robert $218,500
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
03/29/2024 03/29/24 Sold $230,000 +2.2% $160 / Sq Ft
03/04/2024 03/04/24 Pending -- -- --
03/01/2024 03/01/24 For Sale $225,000 -- $156 / Sq Ft
Source: NorthstarMLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,546 $250,000 $30,000 $220,000
2023 $3,546 $231,300 $25,000 $206,300
2022 $3,872 $252,300 $25,000 $227,300
2021 $2,924 $226,600 $25,000 $201,600
2020 $2,936 $189,200 $11,000 $178,200
2019 $2,554 $178,700 $11,000 $167,700
2018 $2,044 $155,300 $11,000 $144,300
2017 $1,686 $135,000 $11,000 $124,000
2016 $1,560 $0 $0 $0
2015 $1,390 $115,000 $11,000 $104,000
2014 $1,480 $0 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Sara Melby Thomas

    Seller's Agent in 2024

    Sara Melby Thomas

    eXp Realty

    (952) 913-2234

    8 in this area

    260 Total Sales

    Sara Melby Thomas
    Section Image
  • Kelly Brown

    Seller Co-Listing Agent in 2024

    Kelly Brown

    eXp Realty

    (763) 416-1279

    9 in this area

    1,027 Total Sales

    Kelly Brown
    Section Image

  • L

    Buyer's Agent in 2024

    Lindsay Reine

    Anderson Realty

    (651) 324-6211

    1 in this area

    24 Total Sales

    Lindsay Reine
    Section Image
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Map

Source: NorthstarMLS

MLS Number: 6469257

NorthstarMLS

APN: 20-29-22-42-0138

Minnesota Ramsey County Saint Paul 55106 Payne-Phalen

657 Cottage Ave E, Saint Paul, MN

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

NorthstarMLS All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Listings courtesy of NorthstarMLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID

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