Listed at
$299,900
$214/sqft

Lanes Phalen Grove Add

865 Cottage Avenue, Saint Paul, MN, 55106
3  Bedrooms2  Bathrooms1,404  Square Feet0.116  Acres
Days on market56
Year built1959
Garage spaces1
TypeResidential
Est. $5,997buyer credit when you buy with SODL
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About this home

Welcome home to this inviting 3 bedroom home featuring the convenience of all bedrooms located on the same level. The spacious living room offers plenty of room to relax, entertain, or gather with family and friends. The functional layout provides comfortable everyday living, while the well-designed floor plan creates a warm and welcoming atmosphere throughout. Whether you're looking for space to grow or simply appreciate the ease of single-level sleeping quarters, this home is ready to meet your needs.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1959
LevelsOne
Living area1,404 sqft
Above-grade finished1,140 sqft
Below-grade finished264 sqft
Lot size0.116 acres (5053)
Days on market56
ListedAug 4, 2026
MLS #NST7121211
CountyRamsey
SubdivisionLanes Phalen Grove Add
Parcel #212922320071

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Basement
Full, Partially Finished · 264 sqft finished

Property

Levels / stories
One
Garage
1 space · 220 sqft
Parking features
Detached Garage
Exterior features
Stone, Stucco
Lot size
0.116 acres
Lot dimensions
5053

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,140 sqft
Year built
1959

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Lanes Phalen Grove Add
HOA
No HOA
School district
625 - St. Paul
High school district
St. Paul

Financial & listing details

Annual tax
$3,963.74 (2026)
Tax with assessments
4180
Listed
Aug 4, 2026
Days on market
56
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementFull, Partially Finished
HeatingForced Air
CoolingCentral Air
AccessibilityNone

Exterior & lot

ExteriorStone, Stucco
FoundationBlock
Foundation area1,140 sqft
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage
Garage spaces1
Garage size220 sqft

Financial details

Annual taxes$3,963.74
Tax year2026
Taxes w/ assessments4180
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District625 - St. Paul
District number625
District phone6517678100
High schoolSt. Paul
SODL flat fee brokerage
$5,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $5,997

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,006/mo
Principal & interest$1,576
Property taxes$330
Home insurance (est.)$100
%
$59,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

865 Cottage Avenue, Saint Paul, MN, 55106

Listing information

MLS #NST7121211
StatusActive
Last updatedAug 27, 2026, 2:27 PM
Originally listedAug 4, 2026, 10:18 AM
Listing officeDiversified Realty

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. 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.