3813 Brunswick Ave S
Duplex · 2 units: 3 bed / 1 bath ×2 unit split estimated · 3,018 sq ft
Saint Louis Park, MN · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $615,000 2 units · $308K per unit
- Monthly cash flow
- −$1,354 at 20% down, 7%
- Estimated rent
- $3,900/mo medium confidence
- Break-even price
- $360,683 where cash flow hits $0
First look
This looks like a cleanly renovated duplex, but the price is the problem. At $615K and our mid rents of $1,950 per unit, cash flow is about -$1,354 a month and the cap rate is 3.7%. Break-even is near $361K, so the ask is roughly $254K above what the rents support. The year built (2003) doesn't fit the description's 'new roof and siding' and the older look of the house in photo 1, and the county parcel didn't match, so verify the year built, unit count, taxes and rental license before anything else. Worth a showing only if you want to owner-occupy, or if the seller comes down a long way.
Things to consider
- Price versus rent math Negative cash flow of about $1,354 a month at ask and a 3.7% cap rate. It only works with a big price cut or owner-occupancy.
- Unverified records Without a matched parcel we don't know the real taxes, unit count or rental license status. Taxes could move the numbers further.
- Rents are a wide range Our estimate runs $1,225 to $2,700 per 3-bed. Actual rents decide whether this is worth a look, so get the rent roll.
- Renovation quality and permits Cosmetic updates can hide old systems. Confirm permits for the work and the age of the mechanicals.From photo 2
- Owner-occupant angle Living in one unit can allow lower-down-payment financing and offsets cost, which may suit this better than a pure investment.Listing says: “Whether you're looking to owner-occupy while generating rental income”
From the photos
Based on 10 of the listing photos. Photos can hide as much as they show; an inspection is the real answer.
Condition and repairs
- doneNew roof and sidingListing says: along with a new roof and siding and newer windows
- doneUpdated kitchens and bathrooms, new cabinetry, appliances, flooring and doorsListing says: Extensive improvements include updated kitchens and bathrooms, new cabinetry, appliances, flooring and doors
- doneRemodeled garageListing says: fenced yard and remodeled garage for additional storage and convenience
AI-assisted first read of the listing description and photos (Claude), checked against public records. Every rent and repair above quotes the listing; verify with the agent, leases and an inspection.
The numbers
Edit rents, costs and assumptions
Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).
The deal
- Price
- $615,000
- Cash to close
- $79,950
- Price per unit
- $307,500
- GRM
- 13.1
Each month
- Cash flow
- −$2,109/mo
- Cash-on-cash
- −31.6%
- Cap rate
- 3.7%
- DSCR
- 0.48×
Break-even
- Price that breaks even
- $293,075
- Rent that breaks even
- $6,603/mo
Long run
- Year 30: property vs stocks
- $1.42M vs $2.02M
- Cash flow turns positive
- year 26
The deal
- Price
- $615,000
- Cash to close
- $79,950
- Price per unit
- $307,500
- GRM
- 13.1
Each month
- Cash flow
- −$2,439/mo
- Cash-on-cash
- −36.6%
- Cap rate
- 3.1%
- DSCR
- 0.39×
Break-even
- Price that breaks even
- $242,704
- Rent that breaks even
- $7,407/mo
Long run
- Year 30: property vs stocks
- $1.40M vs $2.52M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $605,000
- Cash to close
- $78,650
- Price per unit
- $302,500
- GRM
- 12.9
Each month
- Cash flow
- −$2,043/mo
- Cash-on-cash
- −31.2%
- Cap rate
- 3.8%
- DSCR
- 0.48×
Break-even
- Price that breaks even
- $293,075
- Rent that breaks even
- $6,519/mo
Long run
- Year 30: property vs stocks
- $1.40M vs $1.95M
- Cash flow turns positive
- year 26
The deal
- Price
- $605,000
- Cash to close
- $78,650
- Price per unit
- $302,500
- GRM
- 12.9
Each month
- Cash flow
- −$2,373/mo
- Cash-on-cash
- −36.2%
- Cap rate
- 3.2%
- DSCR
- 0.40×
Break-even
- Price that breaks even
- $242,704
- Rent that breaks even
- $7,313/mo
Long run
- Year 30: property vs stocks
- $1.38M vs $2.44M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $615,000
- Cash to close
- $141,450
- Price per unit
- $307,500
- GRM
- 13.1
Each month
- Cash flow
- −$1,354/mo
- Cash-on-cash
- −11.5%
- Cap rate
- 3.7%
- DSCR
- 0.59×
Break-even
- Price that breaks even
- $360,683
- Rent that breaks even
- $5,635/mo
Long run
- Year 30: property vs stocks
- $1.46M vs $1.96M
- Cash flow turns positive
- year 22
The deal
- Price
- $615,000
- Cash to close
- $141,450
- Price per unit
- $307,500
- GRM
- 13.1
Each month
- Cash flow
- −$1,684/mo
- Cash-on-cash
- −14.3%
- Cap rate
- 3.1%
- DSCR
- 0.49×
Break-even
- Price that breaks even
- $298,693
- Rent that breaks even
- $6,321/mo
Long run
- Year 30: property vs stocks
- $1.40M vs $2.42M
- Cash flow turns positive
- year 30
The deal
- Price
- $605,000
- Cash to close
- $139,150
- Price per unit
- $302,500
- GRM
- 12.9
Each month
- Cash flow
- −$1,300/mo
- Cash-on-cash
- −11.2%
- Cap rate
- 3.8%
- DSCR
- 0.60×
Break-even
- Price that breaks even
- $360,683
- Rent that breaks even
- $5,567/mo
Long run
- Year 30: property vs stocks
- $1.45M vs $1.89M
- Cash flow turns positive
- year 21
The deal
- Price
- $605,000
- Cash to close
- $139,150
- Price per unit
- $302,500
- GRM
- 12.9
Each month
- Cash flow
- −$1,630/mo
- Cash-on-cash
- −14.1%
- Cap rate
- 3.2%
- DSCR
- 0.49×
Break-even
- Price that breaks even
- $298,693
- Rent that breaks even
- $6,244/mo
Long run
- Year 30: property vs stocks
- $1.38M vs $2.34M
- Cash flow turns positive
- year 29
The deal
- Price
- $615,000
- Cash to close
- $172,200
- Price per unit
- $307,500
- GRM
- 13.1
Each month
- Cash flow
- −$1,149/mo
- Cash-on-cash
- −8.0%
- Cap rate
- 3.7%
- DSCR
- 0.63×
Break-even
- Price that breaks even
- $384,729
- Rent that breaks even
- $5,373/mo
Long run
- Year 30: property vs stocks
- $1.50M vs $2.00M
- Cash flow turns positive
- year 19
The deal
- Price
- $615,000
- Cash to close
- $172,200
- Price per unit
- $307,500
- GRM
- 13.1
Each month
- Cash flow
- −$1,479/mo
- Cash-on-cash
- −10.3%
- Cap rate
- 3.1%
- DSCR
- 0.52×
Break-even
- Price that breaks even
- $318,606
- Rent that breaks even
- $6,027/mo
Long run
- Year 30: property vs stocks
- $1.41M vs $2.43M
- Cash flow turns positive
- year 27
The deal
- Price
- $605,000
- Cash to close
- $169,400
- Price per unit
- $302,500
- GRM
- 12.9
Each month
- Cash flow
- −$1,099/mo
- Cash-on-cash
- −7.8%
- Cap rate
- 3.8%
- DSCR
- 0.64×
Break-even
- Price that breaks even
- $384,729
- Rent that breaks even
- $5,309/mo
Long run
- Year 30: property vs stocks
- $1.49M vs $1.93M
- Cash flow turns positive
- year 19
The deal
- Price
- $605,000
- Cash to close
- $169,400
- Price per unit
- $302,500
- GRM
- 12.9
Each month
- Cash flow
- −$1,429/mo
- Cash-on-cash
- −10.1%
- Cap rate
- 3.2%
- DSCR
- 0.53×
Break-even
- Price that breaks even
- $318,606
- Rent that breaks even
- $5,955/mo
Long run
- Year 30: property vs stocks
- $1.39M vs $2.35M
- Cash flow turns positive
- year 26
Monthly
Monthly breakdown
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Net operating income | $1,920 |
| Mortgage (principal + interest) | −$3,682 |
| PMI | −$346 |
| Cash flow | −$2,109 |
| Principal paid down (equity, not cash) | $469 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Property management | −$330 |
| Net operating income | $1,590 |
| Mortgage (principal + interest) | −$3,682 |
| PMI | −$346 |
| Cash flow | −$2,439 |
| Principal paid down (equity, not cash) | $469 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Net operating income | $1,920 |
| Mortgage (principal + interest) | −$3,623 |
| PMI | −$340 |
| Cash flow | −$2,043 |
| Principal paid down (equity, not cash) | $461 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Property management | −$330 |
| Net operating income | $1,590 |
| Mortgage (principal + interest) | −$3,623 |
| PMI | −$340 |
| Cash flow | −$2,373 |
| Principal paid down (equity, not cash) | $461 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Net operating income | $1,920 |
| Mortgage (principal + interest) | −$3,273 |
| Cash flow | −$1,354 |
| Principal paid down (equity, not cash) | $416 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Property management | −$330 |
| Net operating income | $1,590 |
| Mortgage (principal + interest) | −$3,273 |
| Cash flow | −$1,684 |
| Principal paid down (equity, not cash) | $416 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Net operating income | $1,920 |
| Mortgage (principal + interest) | −$3,220 |
| Cash flow | −$1,300 |
| Principal paid down (equity, not cash) | $410 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Property management | −$330 |
| Net operating income | $1,590 |
| Mortgage (principal + interest) | −$3,220 |
| Cash flow | −$1,630 |
| Principal paid down (equity, not cash) | $410 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Net operating income | $1,920 |
| Mortgage (principal + interest) | −$3,069 |
| Cash flow | −$1,149 |
| Principal paid down (equity, not cash) | $390 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Property management | −$330 |
| Net operating income | $1,590 |
| Mortgage (principal + interest) | −$3,069 |
| Cash flow | −$1,479 |
| Principal paid down (equity, not cash) | $390 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Net operating income | $1,920 |
| Mortgage (principal + interest) | −$3,019 |
| Cash flow | −$1,099 |
| Principal paid down (equity, not cash) | $384 |
| Rent | $3,900 |
| Vacancy (6%) | −$234 |
| Collected | $3,666 |
| Property tax Listing | −$679 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$312 |
| Capital reserve (8% of rent) | −$312 |
| Property management | −$330 |
| Net operating income | $1,590 |
| Mortgage (principal + interest) | −$3,019 |
| Cash flow | −$1,429 |
| Principal paid down (equity, not cash) | $384 |
Cash flow each year
Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.
30 years
How those totals add up
- Your equity when you sell
- $1,403,200
- Rental profits, invested at 7%
- $15,342
Sells for $1,492,766 (value up 3% a year), minus 6% selling cost ($89,566). Rent paid down $553,500 of loan.
$14,166 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $608,600
- Monthly shortfalls, invested
- $1,413,793
$79,950 put into an index fund instead of the down payment and closing costs.
$314,988 you'd have paid in while the building lost money, invested instead.
Stocks come out $603,850 ahead after 30 years.
- Your equity when you sell
- $1,403,200
- Rental profits, invested at 7%
- $0
Sells for $1,492,766 (value up 3% a year), minus 6% selling cost ($89,566). Rent paid down $553,500 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $608,600
- Monthly shortfalls, invested
- $1,911,671
$79,950 put into an index fund instead of the down payment and closing costs.
$489,187 you'd have paid in while the building lost money, invested instead.
Stocks come out $1,117,071 ahead after 30 years.
- Your equity when you sell
- $1,380,384
- Rental profits, invested at 7%
- $19,475
Sells for $1,468,494 (value up 3% a year), minus 6% selling cost ($88,110). Rent paid down $544,500 of loan.
$17,758 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $598,704
- Monthly shortfalls, invested
- $1,348,312
$78,650 put into an index fund instead of the down payment and closing costs.
$296,755 you'd have paid in while the building lost money, invested instead.
Stocks come out $547,157 ahead after 30 years.
- Your equity when you sell
- $1,380,384
- Rental profits, invested at 7%
- $0
Sells for $1,468,494 (value up 3% a year), minus 6% selling cost ($88,110). Rent paid down $544,500 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $598,704
- Monthly shortfalls, invested
- $1,842,058
$78,650 put into an index fund instead of the down payment and closing costs.
$467,361 you'd have paid in while the building lost money, invested instead.
Stocks come out $1,060,378 ahead after 30 years.
- Your equity when you sell
- $1,403,200
- Rental profits, invested at 7%
- $58,698
Sells for $1,492,766 (value up 3% a year), minus 6% selling cost ($89,566). Rent paid down $492,000 of loan.
$48,797 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,076,753
- Monthly shortfalls, invested
- $886,316
$141,450 put into an index fund instead of the down payment and closing costs.
$185,716 you'd have paid in while the building lost money, invested instead.
Stocks come out $501,170 ahead after 30 years.
- Your equity when you sell
- $1,403,200
- Rental profits, invested at 7%
- $892
Sells for $1,492,766 (value up 3% a year), minus 6% selling cost ($89,566). Rent paid down $492,000 of loan.
$892 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,076,753
- Monthly shortfalls, invested
- $1,341,730
$141,450 put into an index fund instead of the down payment and closing costs.
$326,176 you'd have paid in while the building lost money, invested instead.
Stocks come out $1,014,391 ahead after 30 years.
- Your equity when you sell
- $1,380,384
- Rental profits, invested at 7%
- $67,253
Sells for $1,468,494 (value up 3% a year), minus 6% selling cost ($88,110). Rent paid down $484,000 of loan.
$55,037 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,059,245
- Monthly shortfalls, invested
- $834,539
$139,150 put into an index fund instead of the down payment and closing costs.
$172,796 you'd have paid in while the building lost money, invested instead.
Stocks come out $446,147 ahead after 30 years.
- Your equity when you sell
- $1,380,384
- Rental profits, invested at 7%
- $2,100
Sells for $1,468,494 (value up 3% a year), minus 6% selling cost ($88,110). Rent paid down $484,000 of loan.
$2,063 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,059,245
- Monthly shortfalls, invested
- $1,282,607
$139,150 put into an index fund instead of the down payment and closing costs.
$308,186 you'd have paid in while the building lost money, invested instead.
Stocks come out $959,368 ahead after 30 years.
- Your equity when you sell
- $1,403,200
- Rental profits, invested at 7%
- $95,536
Sells for $1,492,766 (value up 3% a year), minus 6% selling cost ($89,566). Rent paid down $461,250 of loan.
$74,800 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,310,830
- Monthly shortfalls, invested
- $691,255
$172,200 put into an index fund instead of the down payment and closing costs.
$138,070 you'd have paid in while the building lost money, invested instead.
Stocks come out $503,349 ahead after 30 years.
- Your equity when you sell
- $1,403,200
- Rental profits, invested at 7%
- $7,946
Sells for $1,492,766 (value up 3% a year), minus 6% selling cost ($89,566). Rent paid down $461,250 of loan.
$7,488 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,310,830
- Monthly shortfalls, invested
- $1,116,886
$172,200 put into an index fund instead of the down payment and closing costs.
$259,123 you'd have paid in while the building lost money, invested instead.
Stocks come out $1,016,570 ahead after 30 years.
- Your equity when you sell
- $1,380,384
- Rental profits, invested at 7%
- $106,247
Sells for $1,468,494 (value up 3% a year), minus 6% selling cost ($88,110). Rent paid down $453,750 of loan.
$81,985 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,289,516
- Monthly shortfalls, invested
- $645,406
$169,400 put into an index fund instead of the down payment and closing costs.
$127,292 you'd have paid in while the building lost money, invested instead.
Stocks come out $448,290 ahead after 30 years.
- Your equity when you sell
- $1,380,384
- Rental profits, invested at 7%
- $10,721
Sells for $1,468,494 (value up 3% a year), minus 6% selling cost ($88,110). Rent paid down $453,750 of loan.
$9,972 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,289,516
- Monthly shortfalls, invested
- $1,063,101
$169,400 put into an index fund instead of the down payment and closing costs.
$243,644 you'd have paid in while the building lost money, invested instead.
Stocks come out $961,512 ahead after 30 years.
Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.
30 years: this property vs. the same money in stocks
Year 30 (loan paid off): property $1.42M, stocks $2.02M. Stocks win.
Year 30 (loan paid off): property $1.40M, stocks $2.52M. Stocks win.
Year 30 (loan paid off): property $1.40M, stocks $1.95M. Stocks win.
Year 30 (loan paid off): property $1.38M, stocks $2.44M. Stocks win.
Year 30 (loan paid off): property $1.46M, stocks $1.96M. Stocks win.
Year 30 (loan paid off): property $1.40M, stocks $2.42M. Stocks win.
Year 30 (loan paid off): property $1.45M, stocks $1.89M. Stocks win.
Year 30 (loan paid off): property $1.38M, stocks $2.34M. Stocks win.
Year 30 (loan paid off): property $1.50M, stocks $2.00M. Stocks win.
Year 30 (loan paid off): property $1.41M, stocks $2.43M. Stocks win.
Year 30 (loan paid off): property $1.49M, stocks $1.93M. Stocks win.
Year 30 (loan paid off): property $1.39M, stocks $2.35M. Stocks win.
Comparable rentals
Nearby rentals RentCast matched to each unit type, as of 2026-10-05. The estimate above is RentCast's, weighted toward the closest matches.
3 bed / 1 bath estimate $1,950/mo · range $1,225–$2,700
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 7400 Highway, 7 Apt 202, Saint Louis Park 55426 off market | $3,250 | 3 / 2 | 0.8 mi | 84% |
| 7400 7400 Hwy, # 7-202, Saint Louis Park 55426 off market | $3,250 | 3 / 2 | 0.9 mi | 84% |
| 6227 W 34th St, Saint Louis Park 55416 off market | $1,350 | 2 / 1 | 0.6 mi | 84% |
| 3004 Ottawa Ave S, Saint Louis Park 55416 off market | $1,299 | 2 / 1 | 1.3 mi | 83% |
| 3100 Inglewood Ave S, Saint Louis Park 55416 | $1,399 | 2 / 1 | 1.5 mi | 82% |
| 3050 Inglewood Ave S, Saint Louis Park 55416 | $1,300 | 2 / 1 | 1.5 mi | 82% |
| 3063 Virginia Ave S, Apt 6, Saint Louis Park 55426 off market | $1,249 | 2 / 1 | 1.6 mi | 82% |
| 3055 Virginia Ave S, Apt 23, Saint Louis Park 55426 off market | $1,249 | 2 / 1 | 1.6 mi | 82% |
| 3055 Virginia Ave S, Apt 11, Saint Louis Park 55426 off market | $1,235 | 2 / 1 | 1.6 mi | 82% |
| 1217/1219 Oxford Dr, Hopkins 55343 off market | $1,895 | 3 / 1 | 1.3 mi | 82% |
On the maps, this property and comparable rentals. Comparable rentals and rent estimate: RentCast. Rents are asking rents from listings; check them against the actual leases.
Red flags and opportunities
Watch for
- highPrice is far above what rents support; negative cash flow at ask Based on: data: underwriting · AI review
- mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 3813 BRUNSWICK AVE S
- mediumAsking is $254,317 above the price where cash flow breaks even ($360,683) at the default scenario. Based on: Derived: price $615,000 vs. break-even $360,683
- mediumNo rents, lease status or expenses given; 'turnkey' claim is unsupported Listing says: add a turnkey property to your portfolio · AI review
- mediumYear built 2003 conflicts with the older look of the house and the description's new roof and siding; records may be wrong Based on: data: listing.year_built · AI review
- mediumUnit count, taxes and rental license couldn't be verified against county records Based on: data: county.tax · AI review
Opportunities
- No rent cap in Saint Louis Park, so rents can follow the market Based on: data: underwriting.rent_rule · AI review
- Owner-occupy one 3-bed and rent the other to offset cost Listing says: Whether you're looking to owner-occupy while generating rental income · AI review
- Recent renovation lowers near-term repair spending Listing says: Extensive improvements include updated kitchens and bathrooms, new cabinetry, appliances, flooring and doors · AI review
Questions for the agent
- What are the current rents, lease terms and are the units occupied?
- Is the property licensed as a rental in Saint Louis Park, and is it legally a duplex?
- Who did the renovation, were permits pulled, and what did it cost?
- What are the real property taxes and are there any assessments?
- Are heat, water and electric separately metered for each unit?
- Why is the year built 2003 if the roof and siding are new, and what is the true age of the structure?
Bottom line
Nice-looking renovated duplex, but at $615K it loses over $1,300 a month as a rental, so it only works as an owner-occupant deal or at a much lower price. AI-assisted summary
What the records say
Where each number comes from
| Property tax / yr Listinglisting, tax year 2025. The tax the listing states. If the seller lives there it may be at the lower homestead rate; an investor owner pays the non-homestead rate, often 20–40% more on the owner's unit. | $8,153 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,554 |
| Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid | $170 |
| Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent | $0 |
| Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal | $60 |
| Repairs / capital reserve Rulerule. base rate | 8% / 8% |
Price history Realtor.com
On the market since 2026-09-18 (17 days); last sold for $610,000 on 2024-07-30.
| Date | Event | Price |
|---|---|---|
| Listed | $615,000 | |
| Sold | $610,000 | |
| Sold | $260,000 | |
| Listed | $258,000 | |
| Sold public record | $135,000 | |
| Sold public record | $380,000 | |
| Sold public record | $105,000 | |
| Sold public record | $87,500 | |
| Sold public record | $63,500 |
From the listing Listing
| Listed as | duplex up and down |
| Property tax, 2025 | $8,153 |
| County | Hennepin |
| Parcel number | 2111721220068 |
As the listing states it (NorthstarMLS, via Realtor.com). We don't have county records here yet; check the tax, homestead status and special assessments with the county.
Crime, rental-license and vacant-building records are only available for St. Paul and Minneapolis so far. Check with Saint Louis Park on rental licensing before you buy.