936 Westminster St
Duplex · 2 units: 2 bed / 1 bath ×2 unit split estimated · 1,950 sq ft
Saint Paul, MN · Payne – Phalen (Railroad Island) · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $340,000 2 units · $170K per unit
- Monthly cash flow
- −$700 at 20% down, 7%
- Break-even price
- $208,449 where cash flow hits $0
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
- $340,000
- Cash to close
- $44,200
- Price per unit
- $170,000
- GRM
- 10.9
Each month
- Cash flow
- −$1,118/mo
- Cash-on-cash
- −30.3%
- Cap rate
- 3.9%
- DSCR
- 0.50×
Break-even
- Price that breaks even
- $169,376
- Rent that breaks even
- $4,051/mo
Long run
- Year 30: property vs stocks
- $786K vs $1.07M
- Cash flow turns positive
- year 26
The deal
- Price
- $340,000
- Cash to close
- $44,200
- Price per unit
- $170,000
- GRM
- 10.9
Each month
- Cash flow
- −$1,338/mo
- Cash-on-cash
- −36.3%
- Cap rate
- 3.1%
- DSCR
- 0.40×
Break-even
- Price that breaks even
- $135,796
- Rent that breaks even
- $4,552/mo
Long run
- Year 30: property vs stocks
- $776K vs $1.40M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $330,000
- Cash to close
- $42,900
- Price per unit
- $165,000
- GRM
- 10.6
Each month
- Cash flow
- −$1,052/mo
- Cash-on-cash
- −29.4%
- Cap rate
- 4.0%
- DSCR
- 0.51×
Break-even
- Price that breaks even
- $169,376
- Rent that breaks even
- $3,966/mo
Long run
- Year 30: property vs stocks
- $768K vs $995K
- Cash flow turns positive
- year 24
The deal
- Price
- $330,000
- Cash to close
- $42,900
- Price per unit
- $165,000
- GRM
- 10.6
Each month
- Cash flow
- −$1,272/mo
- Cash-on-cash
- −35.6%
- Cap rate
- 3.2%
- DSCR
- 0.41×
Break-even
- Price that breaks even
- $135,796
- Rent that breaks even
- $4,456/mo
Long run
- Year 30: property vs stocks
- $753K vs $1.32M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $340,000
- Cash to close
- $78,200
- Price per unit
- $170,000
- GRM
- 10.9
Each month
- Cash flow
- −$700/mo
- Cash-on-cash
- −10.7%
- Cap rate
- 3.9%
- DSCR
- 0.61×
Break-even
- Price that breaks even
- $208,449
- Rent that breaks even
- $3,509/mo
Long run
- Year 30: property vs stocks
- $813K vs $1.04M
- Cash flow turns positive
- year 21
The deal
- Price
- $340,000
- Cash to close
- $78,200
- Price per unit
- $170,000
- GRM
- 10.9
Each month
- Cash flow
- −$920/mo
- Cash-on-cash
- −14.1%
- Cap rate
- 3.1%
- DSCR
- 0.49×
Break-even
- Price that breaks even
- $167,122
- Rent that breaks even
- $3,942/mo
Long run
- Year 30: property vs stocks
- $776K vs $1.35M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $330,000
- Cash to close
- $75,900
- Price per unit
- $165,000
- GRM
- 10.6
Each month
- Cash flow
- −$647/mo
- Cash-on-cash
- −10.2%
- Cap rate
- 4.0%
- DSCR
- 0.63×
Break-even
- Price that breaks even
- $208,449
- Rent that breaks even
- $3,440/mo
Long run
- Year 30: property vs stocks
- $800K vs $972K
- Cash flow turns positive
- year 20
The deal
- Price
- $330,000
- Cash to close
- $75,900
- Price per unit
- $165,000
- GRM
- 10.6
Each month
- Cash flow
- −$867/mo
- Cash-on-cash
- −13.7%
- Cap rate
- 3.2%
- DSCR
- 0.51×
Break-even
- Price that breaks even
- $167,122
- Rent that breaks even
- $3,865/mo
Long run
- Year 30: property vs stocks
- $753K vs $1.27M
- Cash flow turns positive
- year 30
The deal
- Price
- $340,000
- Cash to close
- $95,200
- Price per unit
- $170,000
- GRM
- 10.9
Each month
- Cash flow
- −$587/mo
- Cash-on-cash
- −7.4%
- Cap rate
- 3.9%
- DSCR
- 0.65×
Break-even
- Price that breaks even
- $222,345
- Rent that breaks even
- $3,362/mo
Long run
- Year 30: property vs stocks
- $836K vs $1.06M
- Cash flow turns positive
- year 18
The deal
- Price
- $340,000
- Cash to close
- $95,200
- Price per unit
- $170,000
- GRM
- 10.9
Each month
- Cash flow
- −$807/mo
- Cash-on-cash
- −10.2%
- Cap rate
- 3.1%
- DSCR
- 0.52×
Break-even
- Price that breaks even
- $178,263
- Rent that breaks even
- $3,777/mo
Long run
- Year 30: property vs stocks
- $777K vs $1.35M
- Cash flow turns positive
- year 28
The deal
- Price
- $330,000
- Cash to close
- $92,400
- Price per unit
- $165,000
- GRM
- 10.6
Each month
- Cash flow
- −$537/mo
- Cash-on-cash
- −7.0%
- Cap rate
- 4.0%
- DSCR
- 0.67×
Break-even
- Price that breaks even
- $222,345
- Rent that breaks even
- $3,298/mo
Long run
- Year 30: property vs stocks
- $825K vs $999K
- Cash flow turns positive
- year 17
The deal
- Price
- $330,000
- Cash to close
- $92,400
- Price per unit
- $165,000
- GRM
- 10.6
Each month
- Cash flow
- −$757/mo
- Cash-on-cash
- −9.8%
- Cap rate
- 3.2%
- DSCR
- 0.54×
Break-even
- Price that breaks even
- $178,263
- Rent that breaks even
- $3,705/mo
Long run
- Year 30: property vs stocks
- $757K vs $1.27M
- Cash flow turns positive
- year 27
Monthly
Monthly breakdown
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Net operating income | $1,109 |
| Mortgage (principal + interest) | −$2,036 |
| PMI | −$191 |
| Cash flow | −$1,118 |
| Principal paid down (equity, not cash) | $259 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Property management | −$220 |
| Net operating income | $889 |
| Mortgage (principal + interest) | −$2,036 |
| PMI | −$191 |
| Cash flow | −$1,338 |
| Principal paid down (equity, not cash) | $259 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Net operating income | $1,109 |
| Mortgage (principal + interest) | −$1,976 |
| PMI | −$186 |
| Cash flow | −$1,052 |
| Principal paid down (equity, not cash) | $251 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Property management | −$220 |
| Net operating income | $889 |
| Mortgage (principal + interest) | −$1,976 |
| PMI | −$186 |
| Cash flow | −$1,272 |
| Principal paid down (equity, not cash) | $251 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Net operating income | $1,109 |
| Mortgage (principal + interest) | −$1,810 |
| Cash flow | −$700 |
| Principal paid down (equity, not cash) | $230 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Property management | −$220 |
| Net operating income | $889 |
| Mortgage (principal + interest) | −$1,810 |
| Cash flow | −$920 |
| Principal paid down (equity, not cash) | $230 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Net operating income | $1,109 |
| Mortgage (principal + interest) | −$1,756 |
| Cash flow | −$647 |
| Principal paid down (equity, not cash) | $223 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Property management | −$220 |
| Net operating income | $889 |
| Mortgage (principal + interest) | −$1,756 |
| Cash flow | −$867 |
| Principal paid down (equity, not cash) | $223 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Net operating income | $1,109 |
| Mortgage (principal + interest) | −$1,697 |
| Cash flow | −$587 |
| Principal paid down (equity, not cash) | $216 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Property management | −$220 |
| Net operating income | $889 |
| Mortgage (principal + interest) | −$1,697 |
| Cash flow | −$807 |
| Principal paid down (equity, not cash) | $216 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Net operating income | $1,109 |
| Mortgage (principal + interest) | −$1,647 |
| Cash flow | −$537 |
| Principal paid down (equity, not cash) | $210 |
| Rent | $2,600 |
| Vacancy (6%) | −$156 |
| Collected | $2,444 |
| Property tax Public record | −$453 |
| Insurance Estimate | −$210 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$208 |
| Capital reserve (9% of rent) | −$234 |
| Property management | −$220 |
| Net operating income | $889 |
| Mortgage (principal + interest) | −$1,647 |
| Cash flow | −$757 |
| Principal paid down (equity, not cash) | $210 |
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
- $775,753
- Rental profits, invested at 7%
- $10,048
Sells for $825,269 (value up 3% a year), minus 6% selling cost ($49,516). Rent paid down $306,000 of loan.
$9,172 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $336,462
- Monthly shortfalls, invested
- $733,335
$44,200 put into an index fund instead of the down payment and closing costs.
$161,205 you'd have paid in while the building lost money, invested instead.
Stocks come out $283,995 ahead after 30 years.
- Your equity when you sell
- $775,753
- Rental profits, invested at 7%
- $0
Sells for $825,269 (value up 3% a year), minus 6% selling cost ($49,516). Rent paid down $306,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $336,462
- Monthly shortfalls, invested
- $1,065,433
$44,200 put into an index fund instead of the down payment and closing costs.
$277,610 you'd have paid in while the building lost money, invested instead.
Stocks come out $626,142 ahead after 30 years.
- Your equity when you sell
- $752,937
- Rental profits, invested at 7%
- $15,228
Sells for $800,997 (value up 3% a year), minus 6% selling cost ($48,060). Rent paid down $297,000 of loan.
$13,506 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $326,566
- Monthly shortfalls, invested
- $668,902
$42,900 put into an index fund instead of the down payment and closing costs.
$143,714 you'd have paid in while the building lost money, invested instead.
Stocks come out $227,302 ahead after 30 years.
- Your equity when you sell
- $752,937
- Rental profits, invested at 7%
- $0
Sells for $800,997 (value up 3% a year), minus 6% selling cost ($48,060). Rent paid down $297,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $326,566
- Monthly shortfalls, invested
- $995,820
$42,900 put into an index fund instead of the down payment and closing costs.
$255,784 you'd have paid in while the building lost money, invested instead.
Stocks come out $569,449 ahead after 30 years.
- Your equity when you sell
- $775,753
- Rental profits, invested at 7%
- $37,134
Sells for $825,269 (value up 3% a year), minus 6% selling cost ($49,516). Rent paid down $272,000 of loan.
$30,246 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $595,278
- Monthly shortfalls, invested
- $444,838
$78,200 put into an index fund instead of the down payment and closing costs.
$91,667 you'd have paid in while the building lost money, invested instead.
Stocks come out $227,228 ahead after 30 years.
- Your equity when you sell
- $775,753
- Rental profits, invested at 7%
- $0
Sells for $825,269 (value up 3% a year), minus 6% selling cost ($49,516). Rent paid down $272,000 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $595,278
- Monthly shortfalls, invested
- $749,851
$78,200 put into an index fund instead of the down payment and closing costs.
$186,997 you'd have paid in while the building lost money, invested instead.
Stocks come out $569,376 ahead after 30 years.
- Your equity when you sell
- $752,937
- Rental profits, invested at 7%
- $46,861
Sells for $800,997 (value up 3% a year), minus 6% selling cost ($48,060). Rent paid down $264,000 of loan.
$37,092 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $577,770
- Monthly shortfalls, invested
- $394,233
$75,900 put into an index fund instead of the down payment and closing costs.
$79,352 you'd have paid in while the building lost money, invested instead.
Stocks come out $172,206 ahead after 30 years.
- Your equity when you sell
- $752,937
- Rental profits, invested at 7%
- $271
Sells for $800,997 (value up 3% a year), minus 6% selling cost ($48,060). Rent paid down $264,000 of loan.
$271 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $577,770
- Monthly shortfalls, invested
- $689,791
$75,900 put into an index fund instead of the down payment and closing costs.
$168,108 you'd have paid in while the building lost money, invested instead.
Stocks come out $514,353 ahead after 30 years.
- Your equity when you sell
- $775,753
- Rental profits, invested at 7%
- $59,849
Sells for $825,269 (value up 3% a year), minus 6% selling cost ($49,516). Rent paid down $255,000 of loan.
$45,769 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $724,687
- Monthly shortfalls, invested
- $339,349
$95,200 put into an index fund instead of the down payment and closing costs.
$66,474 you'd have paid in while the building lost money, invested instead.
Stocks come out $228,433 ahead after 30 years.
- Your equity when you sell
- $775,753
- Rental profits, invested at 7%
- $1,562
Sells for $825,269 (value up 3% a year), minus 6% selling cost ($49,516). Rent paid down $255,000 of loan.
$1,523 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $724,687
- Monthly shortfalls, invested
- $623,209
$95,200 put into an index fund instead of the down payment and closing costs.
$147,803 you'd have paid in while the building lost money, invested instead.
Stocks come out $570,581 ahead after 30 years.
- Your equity when you sell
- $752,937
- Rental profits, invested at 7%
- $72,439
Sells for $800,997 (value up 3% a year), minus 6% selling cost ($48,060). Rent paid down $247,500 of loan.
$53,773 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $703,372
- Monthly shortfalls, invested
- $295,379
$92,400 put into an index fund instead of the down payment and closing costs.
$56,515 you'd have paid in while the building lost money, invested instead.
Stocks come out $173,375 ahead after 30 years.
- Your equity when you sell
- $752,937
- Rental profits, invested at 7%
- $3,684
Sells for $800,997 (value up 3% a year), minus 6% selling cost ($48,060). Rent paid down $247,500 of loan.
$3,479 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $703,372
- Monthly shortfalls, invested
- $568,770
$92,400 put into an index fund instead of the down payment and closing costs.
$131,797 you'd have paid in while the building lost money, invested instead.
Stocks come out $515,523 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 $786K, stocks $1.07M. Stocks win.
Year 30 (loan paid off): property $776K, stocks $1.40M. Stocks win.
Year 30 (loan paid off): property $768K, stocks $995K. Stocks win.
Year 30 (loan paid off): property $753K, stocks $1.32M. Stocks win.
Year 30 (loan paid off): property $813K, stocks $1.04M. Stocks win.
Year 30 (loan paid off): property $776K, stocks $1.35M. Stocks win.
Year 30 (loan paid off): property $800K, stocks $972K. Stocks win.
Year 30 (loan paid off): property $753K, stocks $1.27M. Stocks win.
Year 30 (loan paid off): property $836K, stocks $1.06M. Stocks win.
Year 30 (loan paid off): property $777K, stocks $1.35M. Stocks win.
Year 30 (loan paid off): property $825K, stocks $999K. Stocks win.
Year 30 (loan paid off): property $757K, stocks $1.27M. Stocks win.
Comparable rentals
The closest rental listings with each unit's bedroom count, as of 2026-10-06. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.
2 bed estimate $1,300/mo · range $1,050–$1,500 · 8 rentals within 0.75 mi
| Address | Rent | Bd / Ba | Distance |
|---|---|---|---|
| 953 Desoto St, Saint Paul | $950 | 2 / 1 | 0.2 mi |
| 1039-1041 Arkwright St, Saint Paul | $1,445 | 2 / 1 | 0.2 mi |
| 904-906 Burr St, Saint Paul | $999 | 2 / 1 | 0.3 mi |
| 685 Burr St, Saint Paul | $1,450 | 2 / 1 | 0.6 mi |
| 1205 Westminster St, Saint Paul | $1,120 | 2 / 1 | 0.6 mi |
| 468 Beaumont St E Unit 4, Saint Paul | $1,350 | 2 / 1 | 0.6 mi |
| 665 Bedford St Unit 2, Saint Paul | $1,400 | 2 / 1 | 0.7 mi |
| 1280 Westminster St, Saint Paul | $1,042 | 2 / 1 | 0.7 mi |
On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. Rents are asking rents from listings; check them against the actual leases.
Red flags and opportunities
Watch for
- 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 936 WESTMINSTER ST (dataset last updated mid-2025)
- medium$1,628 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 292922320107: special assessments (payable 2026) = $1,627.68
- mediumAsking is $131,551 above the price where cash flow breaks even ($208,449) at the default scenario. Based on: Derived: price $340,000 vs. break-even $208,449
Opportunities
- The seller bought for $68,000 in May 2022, so they can take a lower offer and still come out well ahead. Public record: Ramsey County parcel 292922320107: last sale 2022-05-13, $68,000
Questions for the agent
- Can we see the current leases and a rent roll, with move-in dates?
- What did water/sewer/trash, heat and electric cost the owner over the last 12 months?
- How old are the roof, boiler or furnaces, water heaters and electrical panels?
- Is the building licensed as a rental for this many units, and when was the last city inspection?
- Any special assessments pending, and will the seller pay them off at closing?
Standard questions worth asking about any building.
What the records say
Where each number comes from
| Property tax / yr Public recordRamsey County record, payable 2026 (non-homestead) | $5,434 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,516 |
| 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. built 1883: +1 pt capital reserve | 8% / 9% |
Price history Realtor.com
On the market since 2026-10-01 (4 days); last sold for $45,000 on 2022-05-16; listed for rent at $1,350/mo on 2025-12-23.
| Date | Event | Price |
|---|---|---|
| Listed | $340,000 | |
| Removed | $340,000 | |
| Removed | — | |
| Listed for rent | $1,350/mo | |
| Removed | — | |
| Rent changed | $1,350/mo | |
| Listed for rent | $1,300/mo | |
| Sold | $45,000 | |
| Listed | $45,000 | |
| Sold public record | $162,750 | |
| Sold public record | $112,341 | |
| Sold | $119,900 | |
| Price changed | $119,900 | |
| Listed | $124,900 | |
| Removed | $97,000 | |
| Relisted | $97,000 | |
| Removed | $97,000 | |
| Price changed | $97,000 | |
| Price changed | $109,000 | |
| Listed | $119,900 | |
| Sold public record | $70,000 | |
| Sold public record | $50,000 |
County record Public record
| Recorded as | two family dwelling - up/dwn |
| Living units | 2 |
| Year built | 1883 |
| Market value (2026) | $304,500 |
| Property tax, payable 2026 | $5,434 |
| Special assessments | $1,628 |
| Homestead | no |
| Last sale | 2022-05-13 · $68,000 |
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
I 35E;US 10, about 265 m away.
Crime in Payne – Phalen
1,695 incidents in the last 12 months (51 per 1,000 residents), −10% vs. the year before. St. Paul police incidents, excluding proactive visits and community events.