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931 Ottawa Ave, West Saint Paul, MN, 55118

2beds
1baths
816sqft
$230,000
$282price/sqft
$1,714/moest. monthly cost
$68,560/yrincome needed

About This Home

Great Location and Price! Turn-key 2BR/1BA Craftsman bungalow with hardwood floors throughout. Original oak trim, doors, and crown molding plus leaded/stained-glass window accents showcase true 1920s character. Classic pedestal sink bath, functional kitchen, and inviting front porch overlooking professionally landscaped perennial gardens. Newer roof for peace of mind. Move-in ready — MUST SEE!

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

4/10
Heritage Middle SchoolGrades 5-80.7 mi
6/10
Two Rivers High SchoolGrades 9-122.2 mi
10/10

Construction

Condition

  • Year built: 1925

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Block,Full

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 816

Heating & Cooling

  • Heating features: Radiator,Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,632
  • Total interior livable area: 816 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 423495006120
  • Zoning description: Residential-Single Family
  • Foundation area: 816

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 5,270 sqft
  • Lot size dimensions: 38 x 140

Parking

  • Total spaces: 1
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Dakota County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,163$13,956
Home Insurance *$169$2,028
Property Taxes $212$2,544
Electricity $170$2,050
Total$1,714$20,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,765/yr
40% on housing$51,420/yr
45% on housing$45,706/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 55118$224
Dakota County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 55118$196
Dakota County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$230,000
2026-07-23Listed for sale$230,000
2007-11-28Sold$168,460
1998-07-22Sold$70,000

For Sale by Agent

AgentThomas J. Gergen
BrokerageBlackbridge Real Estate

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