74 Congress St W
Duplex · 2 units: mix unknown ×2 · 1,495 sq ft
Saint Paul, MN · West Side (Cherokee Heights, District del Sol) · View the listing ↗
Photos courtesy of RE/MAX Results, via Realtor.com.
- Asking price
- $250,000 2 units · $125K per unit
- Monthly cash flow
- −$762 at 20% down, 7%
- Estimated rent
- $2,550/mo medium confidence
- Break-even price
- $106,785 where cash flow hits $0
First look
This one doesn't work at $250K. Our underwriting shows about -$762 a month and a 2.7% cap rate, and break-even is near $107K. Rents of roughly $1,250 to $1,300 per unit can't carry $8,184 in taxes plus $2,422 in assessments. The lower unit is owner-occupied, so there's no rent roll, and the seller's lien is tied up with the county. Photos show a dated but intact upper unit with wood trim, radiators, and an unfinished third floor with peeling paint. Check the lien, the assessments, the rental license, and the heating system first. Only look at it if the seller will come down a long way, since it has sat 113 days.
Things to consider
- Price is far above what rents support Cash flow is about -$762 a month and break-even is about $107K. Even a big price cut leaves little margin.
- Lien and special assessments These could add thousands in cost or delay closing, and the lien needs a clean payoff path.Listing says: “there is an existing lien on the property, which will be negotiated with the county through an attorney”
- Owner-occupied lower unit No tenant history, and you need possession timing. The unit also needs work before it rents at the estimated $1,250.Listing says: “The (lower) unit, currently owner-occupied”
- Rental licensing is unclear No rental certificate is on file. Getting licensed may require an inspection and repairs.
- Rent growth is limited St. Paul's 3% cap applies to sitting tenants, so you can't quickly raise rents to close the gap.
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
- neededLower unit needs refresh; hardwood floors under carpet to restoreListing says: With a little TLC, this space could serve as a fantastic owner-occupied residence
- neededUnfinished third level would need work to become living spaceListing says: Unfinished third level has potential for additional living space.
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
- $250,000
- Cash to close
- $32,500
- Price per unit
- $125,000
- GRM
- 8.2
Each month
- Cash flow
- −$1,069/mo
- Cash-on-cash
- −39.5%
- Cap rate
- 2.7%
- DSCR
- 0.35×
Break-even
- Price that breaks even
- $86,769
- Rent that breaks even
- $3,995/mo
Long run
- Year 30: property vs stocks
- $570K vs $1.23M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $250,000
- Cash to close
- $32,500
- Price per unit
- $125,000
- GRM
- 8.2
Each month
- Cash flow
- −$1,285/mo
- Cash-on-cash
- −47.4%
- Cap rate
- 1.7%
- DSCR
- 0.22×
Break-even
- Price that breaks even
- $53,834
- Rent that breaks even
- $4,511/mo
Long run
- Year 30: property vs stocks
- $570K vs $1.56M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $240,000
- Cash to close
- $31,200
- Price per unit
- $120,000
- GRM
- 7.8
Each month
- Cash flow
- −$1,004/mo
- Cash-on-cash
- −38.6%
- Cap rate
- 2.8%
- DSCR
- 0.36×
Break-even
- Price that breaks even
- $86,769
- Rent that breaks even
- $3,906/mo
Long run
- Year 30: property vs stocks
- $548K vs $1.15M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $240,000
- Cash to close
- $31,200
- Price per unit
- $120,000
- GRM
- 7.8
Each month
- Cash flow
- −$1,219/mo
- Cash-on-cash
- −46.9%
- Cap rate
- 1.8%
- DSCR
- 0.22×
Break-even
- Price that breaks even
- $53,834
- Rent that breaks even
- $4,411/mo
Long run
- Year 30: property vs stocks
- $548K vs $1.48M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $250,000
- Cash to close
- $57,500
- Price per unit
- $125,000
- GRM
- 8.2
Each month
- Cash flow
- −$762/mo
- Cash-on-cash
- −15.9%
- Cap rate
- 2.7%
- DSCR
- 0.43×
Break-even
- Price that breaks even
- $106,785
- Rent that breaks even
- $3,580/mo
Long run
- Year 30: property vs stocks
- $570K vs $1.18M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $250,000
- Cash to close
- $57,500
- Price per unit
- $125,000
- GRM
- 8.2
Each month
- Cash flow
- −$978/mo
- Cash-on-cash
- −20.4%
- Cap rate
- 1.7%
- DSCR
- 0.27×
Break-even
- Price that breaks even
- $66,252
- Rent that breaks even
- $4,042/mo
Long run
- Year 30: property vs stocks
- $570K vs $1.52M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $240,000
- Cash to close
- $55,200
- Price per unit
- $120,000
- GRM
- 7.8
Each month
- Cash flow
- −$709/mo
- Cash-on-cash
- −15.4%
- Cap rate
- 2.8%
- DSCR
- 0.44×
Break-even
- Price that breaks even
- $106,785
- Rent that breaks even
- $3,508/mo
Long run
- Year 30: property vs stocks
- $548K vs $1.11M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $240,000
- Cash to close
- $55,200
- Price per unit
- $120,000
- GRM
- 7.8
Each month
- Cash flow
- −$925/mo
- Cash-on-cash
- −20.1%
- Cap rate
- 1.8%
- DSCR
- 0.28×
Break-even
- Price that breaks even
- $66,252
- Rent that breaks even
- $3,961/mo
Long run
- Year 30: property vs stocks
- $548K vs $1.44M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $250,000
- Cash to close
- $70,000
- Price per unit
- $125,000
- GRM
- 8.2
Each month
- Cash flow
- −$679/mo
- Cash-on-cash
- −11.6%
- Cap rate
- 2.7%
- DSCR
- 0.46×
Break-even
- Price that breaks even
- $113,904
- Rent that breaks even
- $3,468/mo
Long run
- Year 30: property vs stocks
- $570K vs $1.18M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $250,000
- Cash to close
- $70,000
- Price per unit
- $125,000
- GRM
- 8.2
Each month
- Cash flow
- −$895/mo
- Cash-on-cash
- −15.3%
- Cap rate
- 1.7%
- DSCR
- 0.28×
Break-even
- Price that breaks even
- $70,669
- Rent that breaks even
- $3,915/mo
Long run
- Year 30: property vs stocks
- $570K vs $1.52M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $240,000
- Cash to close
- $67,200
- Price per unit
- $120,000
- GRM
- 7.8
Each month
- Cash flow
- −$629/mo
- Cash-on-cash
- −11.2%
- Cap rate
- 2.8%
- DSCR
- 0.47×
Break-even
- Price that breaks even
- $113,904
- Rent that breaks even
- $3,400/mo
Long run
- Year 30: property vs stocks
- $548K vs $1.11M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $240,000
- Cash to close
- $67,200
- Price per unit
- $120,000
- GRM
- 7.8
Each month
- Cash flow
- −$845/mo
- Cash-on-cash
- −15.1%
- Cap rate
- 1.8%
- DSCR
- 0.29×
Break-even
- Price that breaks even
- $70,669
- Rent that breaks even
- $3,839/mo
Long run
- Year 30: property vs stocks
- $548K vs $1.44M
- Cash flow turns positive
- not within 30 years
Monthly
Monthly breakdown
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Net operating income | $568 |
| Mortgage (principal + interest) | −$1,497 |
| PMI | −$141 |
| Cash flow | −$1,069 |
| Principal paid down (equity, not cash) | $190 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Property management | −$216 |
| Net operating income | $353 |
| Mortgage (principal + interest) | −$1,497 |
| PMI | −$141 |
| Cash flow | −$1,285 |
| Principal paid down (equity, not cash) | $190 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Net operating income | $568 |
| Mortgage (principal + interest) | −$1,437 |
| PMI | −$135 |
| Cash flow | −$1,004 |
| Principal paid down (equity, not cash) | $183 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Property management | −$216 |
| Net operating income | $353 |
| Mortgage (principal + interest) | −$1,437 |
| PMI | −$135 |
| Cash flow | −$1,219 |
| Principal paid down (equity, not cash) | $183 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Net operating income | $568 |
| Mortgage (principal + interest) | −$1,331 |
| Cash flow | −$762 |
| Principal paid down (equity, not cash) | $169 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Property management | −$216 |
| Net operating income | $353 |
| Mortgage (principal + interest) | −$1,331 |
| Cash flow | −$978 |
| Principal paid down (equity, not cash) | $169 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Net operating income | $568 |
| Mortgage (principal + interest) | −$1,277 |
| Cash flow | −$709 |
| Principal paid down (equity, not cash) | $163 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Property management | −$216 |
| Net operating income | $353 |
| Mortgage (principal + interest) | −$1,277 |
| Cash flow | −$925 |
| Principal paid down (equity, not cash) | $163 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Net operating income | $568 |
| Mortgage (principal + interest) | −$1,247 |
| Cash flow | −$679 |
| Principal paid down (equity, not cash) | $159 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Property management | −$216 |
| Net operating income | $353 |
| Mortgage (principal + interest) | −$1,247 |
| Cash flow | −$895 |
| Principal paid down (equity, not cash) | $159 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Net operating income | $568 |
| Mortgage (principal + interest) | −$1,198 |
| Cash flow | −$629 |
| Principal paid down (equity, not cash) | $152 |
| Rent | $2,550 |
| Vacancy (6%) | −$153 |
| Collected | $2,397 |
| Property tax Public record | −$682 |
| Insurance Our research | −$217 |
| Water, sewer, trash Our research | −$180 |
| Heat Our research | −$180 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (10% of rent) | −$255 |
| Capital reserve (10% of rent) | −$255 |
| Property management | −$216 |
| Net operating income | $353 |
| Mortgage (principal + interest) | −$1,198 |
| Cash flow | −$845 |
| Principal paid down (equity, not cash) | $152 |
Cash flow each year
Rents +3%/yr (St. Paul's cap for sitting tenants), 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
- $570,407
- Rental profits, invested at 7%
- $0
Sells for $606,816 (value up 3% a year), minus 6% selling cost ($36,409). Rent paid down $225,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $247,398
- Monthly shortfalls, invested
- $977,686
$32,500 put into an index fund instead of the down payment and closing costs.
$285,212 you'd have paid in while the building lost money, invested instead.
Stocks come out $654,678 ahead after 30 years.
- Your equity when you sell
- $570,407
- Rental profits, invested at 7%
- $0
Sells for $606,816 (value up 3% a year), minus 6% selling cost ($36,409). Rent paid down $225,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $247,398
- Monthly shortfalls, invested
- $1,313,254
$32,500 put into an index fund instead of the down payment and closing costs.
$408,373 you'd have paid in while the building lost money, invested instead.
Stocks come out $990,245 ahead after 30 years.
- Your equity when you sell
- $547,590
- Rental profits, invested at 7%
- $0
Sells for $582,543 (value up 3% a year), minus 6% selling cost ($34,953). Rent paid down $216,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $237,502
- Monthly shortfalls, invested
- $908,073
$31,200 put into an index fund instead of the down payment and closing costs.
$263,386 you'd have paid in while the building lost money, invested instead.
Stocks come out $597,986 ahead after 30 years.
- Your equity when you sell
- $547,590
- Rental profits, invested at 7%
- $0
Sells for $582,543 (value up 3% a year), minus 6% selling cost ($34,953). Rent paid down $216,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $237,502
- Monthly shortfalls, invested
- $1,243,641
$31,200 put into an index fund instead of the down payment and closing costs.
$386,548 you'd have paid in while the building lost money, invested instead.
Stocks come out $933,553 ahead after 30 years.
- Your equity when you sell
- $570,407
- Rental profits, invested at 7%
- $0
Sells for $606,816 (value up 3% a year), minus 6% selling cost ($36,409). Rent paid down $200,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $437,705
- Monthly shortfalls, invested
- $745,640
$57,500 put into an index fund instead of the down payment and closing costs.
$218,585 you'd have paid in while the building lost money, invested instead.
Stocks come out $612,938 ahead after 30 years.
- Your equity when you sell
- $570,407
- Rental profits, invested at 7%
- $0
Sells for $606,816 (value up 3% a year), minus 6% selling cost ($36,409). Rent paid down $200,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $437,705
- Monthly shortfalls, invested
- $1,081,208
$57,500 put into an index fund instead of the down payment and closing costs.
$341,746 you'd have paid in while the building lost money, invested instead.
Stocks come out $948,506 ahead after 30 years.
- Your equity when you sell
- $547,590
- Rental profits, invested at 7%
- $0
Sells for $582,543 (value up 3% a year), minus 6% selling cost ($34,953). Rent paid down $192,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $420,196
- Monthly shortfalls, invested
- $685,309
$55,200 put into an index fund instead of the down payment and closing costs.
$199,424 you'd have paid in while the building lost money, invested instead.
Stocks come out $557,916 ahead after 30 years.
- Your equity when you sell
- $547,590
- Rental profits, invested at 7%
- $0
Sells for $582,543 (value up 3% a year), minus 6% selling cost ($34,953). Rent paid down $192,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $420,196
- Monthly shortfalls, invested
- $1,020,877
$55,200 put into an index fund instead of the down payment and closing costs.
$322,586 you'd have paid in while the building lost money, invested instead.
Stocks come out $893,483 ahead after 30 years.
- Your equity when you sell
- $570,407
- Rental profits, invested at 7%
- $0
Sells for $606,816 (value up 3% a year), minus 6% selling cost ($36,409). Rent paid down $187,500 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $532,858
- Monthly shortfalls, invested
- $651,373
$70,000 put into an index fund instead of the down payment and closing costs.
$188,646 you'd have paid in while the building lost money, invested instead.
Stocks come out $613,824 ahead after 30 years.
- Your equity when you sell
- $570,407
- Rental profits, invested at 7%
- $0
Sells for $606,816 (value up 3% a year), minus 6% selling cost ($36,409). Rent paid down $187,500 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $532,858
- Monthly shortfalls, invested
- $986,940
$70,000 put into an index fund instead of the down payment and closing costs.
$311,808 you'd have paid in while the building lost money, invested instead.
Stocks come out $949,391 ahead after 30 years.
- Your equity when you sell
- $547,590
- Rental profits, invested at 7%
- $0
Sells for $582,543 (value up 3% a year), minus 6% selling cost ($34,953). Rent paid down $180,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $511,544
- Monthly shortfalls, invested
- $594,812
$67,200 put into an index fund instead of the down payment and closing costs.
$170,683 you'd have paid in while the building lost money, invested instead.
Stocks come out $558,766 ahead after 30 years.
- Your equity when you sell
- $547,590
- Rental profits, invested at 7%
- $0
Sells for $582,543 (value up 3% a year), minus 6% selling cost ($34,953). Rent paid down $180,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $511,544
- Monthly shortfalls, invested
- $930,380
$67,200 put into an index fund instead of the down payment and closing costs.
$293,844 you'd have paid in while the building lost money, invested instead.
Stocks come out $894,333 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 $570K, stocks $1.23M. Stocks win.
Year 30 (loan paid off): property $570K, stocks $1.56M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $1.15M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $1.48M. Stocks win.
Year 30 (loan paid off): property $570K, stocks $1.18M. Stocks win.
Year 30 (loan paid off): property $570K, stocks $1.52M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $1.11M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $1.44M. Stocks win.
Year 30 (loan paid off): property $570K, stocks $1.18M. Stocks win.
Year 30 (loan paid off): property $570K, stocks $1.52M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $1.11M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $1.44M. Stocks win.
After a ~$30,000 refresh (rents to $1,400, $1,400), at the default scenario: cap 3.6%, cash flow −$577/mo, $87,500 total cash in. Estimate
Red flags and opportunities
Watch for
- highSheriff's deed recorded June 2026 — post-foreclosure sale, with an existing lien being negotiated with the county. Source: Our research notes
- highExisting lien to be negotiated with the county through an attorney. Get a title search and learn who pays what at closing. Listing says: there is an existing lien on the property, which will be negotiated with the county through an attorney · AI review
- mediumNo rental certificate (CofO) on file in the city's data. Ask whether the building is licensed as a rental and when it was last inspected. Public record: St. Paul Certificate of Occupancy – Residential: no record for 74 CONGRESS ST W (dataset last updated mid-2025)
- medium$2,422 in special assessments on the payable 2026 tax bill (often street, sewer or code-enforcement charges). Ask what they're for, whether they continue, and whether the seller pays them off at closing. Public record: Ramsey County parcel 072822110107: special assessments (payable 2026) = $2,422.24
- mediumAsking is $143,215 above the price where cash flow breaks even ($106,785) at the default scenario. Based on: Derived: price $250,000 vs. break-even $106,785
- mediumFuses in the panel — budget an electrical upgrade; insurers often won't write it as-is. Source: Our research notes
- mediumLower unit is owner-occupied, so no rent history and it must be delivered vacant, or the buyer inherits the occupant. Listing says: The (lower) unit, currently owner-occupied · AI review
- mediumTaxes at the non-homestead rate are heavy relative to rents, and special assessments add to the burden. Based on: data: county.tax · AI review
- lowChanged hands in Jun 2026; the county record doesn't show a price. Ask what the seller paid and what changed since. Public record: Ramsey County parcel 072822110107: last sale 2026-06-09
- lowCeiling tiles with dark grid, a wall of dated paneling, and peeling paint show age and deferred upkeep. Peeling paint on a 1909 house may mean lead paint. Based on: photo 9 · AI review
Opportunities
- Long time on market: room to negotiate. Based on: Listing data: 116 days on market
- Unfinished third level could add living space or a bedroom, but it needs permits and egress, and the numbers must justify the cost. Listing says: Unfinished third level has potential for additional living space. · AI review
- Original hardwoods under the lower unit carpeting could be restored cheaply to support rent. Listing says: has hardwood floors beneath the carpeting, awaiting your personal touch · AI review
- 113 days on market and a lien give room to negotiate hard. Based on: data: listing.days_on_market · AI review
Questions for the agent
- What is the lien amount and type, and who pays it at closing?
- What are the $2,422 in special assessments for, and do they continue?
- Is the building licensed as a rental, and when was it last inspected?
- Will the lower unit be delivered vacant, and when?
- How old are the boiler/heating system, roof, and electrical panel?
- What did the seller pay in June 2026, and why is it being sold now?
Bottom line
A tired West Side duplex with a lien and heavy taxes; it only works at a price near $107K, not $250K. AI-assisted summary
What the records say
Listing summary
Up/down, 1,495 sq ft, 2-car garage, boiler heat. Lower unit needs TLC. Price already cut from $285K.
Research notes
- Taxes are $8,184 plus $2,846 in special assessments. Find out what those are and whether they're paid at closing.
- Assessment pending.
Where each number comes from
| Property tax / yr Public recordRamsey County record, payable 2026 (non-homestead) | $8,184 |
| Insurance / yr Our researchour research. quote-based estimate | $2,600 |
| Water, sewer, trash / mo Our researchour research | $180 |
| Heat / mo Our researchour research | $180 |
| Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal | $60 |
| Repairs / capital reserve Our researchour research | 10% / 10% |
Price history Realtor.com
On the market since 2026-06-11 (116 days); down $35,000 (12.3%) from the first ask of $285,000; last sold for $77,000 on 1995-02-14.
| Date | Event | Price |
|---|---|---|
| Price changed | $250,000 | |
| Relisted | $285,000 | |
| Removed | — | |
| Listed | $285,000 | |
| Sold public record | $77,000 |
County record Public record
| Recorded as | two family dwelling - up/dwn |
| Living units | 2 |
| Year built | 1909 |
| Market value (2026) | $380,300 |
| Property tax, payable 2026 | $8,184 |
| Special assessments | $2,422 |
| Homestead | no |
| Last sale | 2026-06-09 |
Source: Ramsey County parcel records.
City rental certificate (CofO)
No record in St. Paul Certificate of Occupancy – Residential (dataset last updated mid-2025).
Nearest highway
US 52, about 1264 m away.
Crime in West Side
708 incidents in the last 12 months (45 per 1,000 residents), −17% vs. the year before. St. Paul police incidents, excluding proactive visits and community events.