Seller's Agent in 2025
Shane Montoya
Coldwell Banker Burnet
(651) 492-6423
20 in this area
576 Total Sales
915 Cottage Ave E Saint Paul, MN 55106
Payne-Phalen Neighborhood
1
Bed
1
Bath
698
Sq Ft
5,009
Sq Ft Lot
Highlights
- Main Floor Primary Bedroom
- Patio
- Forced Air Heating and Cooling System
- No HOA
- 1-Story Property
- Combination Dining and Living Room
About This Home
As of September 2025Don’t miss this warm and inviting home located in the heart of the Phalen neighborhood. This 1-bedroom property includes an additional room that can function as a second bedroom, home office, or flex space—perfectly suited to your needs. Inside, you'll find a functional layout with a spacious kitchen offering ample cabinetry, abundant natural light, and a classic clawfoot tub that adds vintage charm.
Enjoy outdoor living in the private backyard, featuring a newer paver patio, custom raised garden beds, and a thriving garden space—ideal for relaxing or entertaining. Just minutes from scenic Phalen Park, trails, and lake access, this home combines comfort, charm, and convenience in a perfectly sized package.
Last Agent to Sell the Property
Coldwell Banker Realty Brokerage Phone: 651-492-6423 Listed on: 06/04/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,270
Year Built
- Built in 1914
Lot Details
- 5,009 Sq Ft Lot
- Lot Dimensions are 39x126
- Chain Link Fence
Parking
- 1 Car Garage
Home Design
- Vinyl Siding
Interior Spaces
- 698 Sq Ft Home
- 1-Story Property
- Combination Dining and Living Room
- Partial Basement
Kitchen
- Range
- Microwave
- Dishwasher
Bedrooms and Bathrooms
- 1 Primary Bedroom on Main
- 1 Full Bathroom
Laundry
- Dryer
- Washer
Additional Features
- Patio
- Forced Air Heating and Cooling System
Community Details
- No Home Owners Association
- Lanes Phalen Grove Add Subdivision
Listing and Financial Details
- Assessor Parcel Number 212922320099
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 4, 2025
Closed on
Sep 2, 2025
Sold by
Lehman Allyson and Bratvold Nicholas
Bought by
Peterson Elizabeth
Seller's Agent
Shane Montoya
Coldwell Banker Realty
Buyer's Agent
Hannah Lane
Verve Realty
List Price
$225,000
Sold Price
$215,000
Premium/Discount to List
-$10,000
-4.44%
Views
84
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$1,264
Avg. Annual Appreciation
-1.72%
Original Mortgage
$208,500
Outstanding Balance
$208,500
Interest Rate
6.38%
Mortgage Type
New Conventional
Estimated Equity
$5,236
Purchase Details
Closed on
Mar 1, 2022
Sold by
Patterson Carmen and Mauldin Tracie
Bought by
Bratvold Nicholas and Lehman Allyson
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$178,500
Interest Rate
3.55%
Mortgage Type
New Conventional
Purchase Details
Closed on
Feb 23, 2022
Sold by
Patterson Carmen L and Patterson Tracie
Bought by
Bratvold Nicholas and Lehman Allyson
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$178,500
Interest Rate
3.55%
Mortgage Type
New Conventional
Purchase Details
Closed on
Oct 11, 2018
Sold by
Miramac Properties Inc
Bought by
Patterson Carmen L
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$140,600
Interest Rate
4.5%
Mortgage Type
New Conventional
Purchase Details
Closed on
Oct 10, 2017
Sold by
Schulz Betti
Bought by
Miramac Properties Inc
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $215,000 | Great North Title | |
| Deed | $180,000 | -- | |
| Warranty Deed | $180,000 | None Listed On Document | |
| Warranty Deed | $148,000 | Titlesmart Inc | |
| Warranty Deed | $63,000 | Home Title Inc |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $208,500 | New Conventional | |
| Previous Owner | $178,500 | New Conventional | |
| Previous Owner | $171,000 | New Conventional | |
| Previous Owner | $140,600 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 09/02/2025 09/02/25 | Sold | $215,000 | -4.4% | $308 / Sq Ft |
| 07/22/2025 07/22/25 | Pending | -- | -- | -- |
| 06/06/2025 06/06/25 | For Sale | $225,000 | -- | $322 / Sq Ft |
Source: NorthstarMLS
Tax History Compared to Growth
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 | $2,270 | $191,200 | $30,000 | $161,200 |
| 2023 | $2,270 | $160,100 | $25,000 | $135,100 |
| 2022 | $3,382 | $191,800 | $25,000 | $166,800 |
| 2021 | $2,062 | $175,200 | $25,000 | $150,200 |
| 2020 | $1,686 | $146,400 | $12,300 | $134,100 |
| 2019 | $850 | $120,000 | $12,300 | $107,700 |
| 2018 | $900 | $70,000 | $12,300 | $57,700 |
| 2017 | $746 | $77,500 | $12,300 | $65,200 |
| 2016 | $788 | $0 | $0 | $0 |
| 2015 | $822 | $69,500 | $12,300 | $57,200 |
| 2014 | $900 | $0 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Shane Montoya
-
Nicholas Mansur
Seller Co-Listing Agent in 2025
Nicholas Mansur
Coldwell Banker Burnet
(651) 587-5632
4 in this area
127 Total Sales
-
Hannah Lane
Buyer's Agent in 2025
Hannah Lane
Verve Realty
(651) 497-1074
2 in this area
96 Total Sales
Map
Source: NorthstarMLS
MLS Number: 6731689
APN: 21-29-22-32-0099
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