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345 Ramsey St #345C, Saint Paul, MN, 55102

0beds
1baths
406sqft
$110,000
$271price/sqft
$945/moest. monthly cost
$37,800/yrincome needed

About This Home

Character filled studio on 2nd floor of beautiful historic building in coveted St. Paul neighborhood! Exposed brick wall, updated kitchen, decorative fireplace and beautiful wood floors. Private outdoor space/deck in back, parking with easy access to unit from parking lot. Storage locker in basement of building - laundry hook up in basement - or ability to add in unit if desired. Great location/walkability!

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

3/10
7/10

Construction

Condition

  • Year built: 1888

Materials

  • Roof: Flat
  • Construction materials: Brick,Concrete

Type & Style

  • Home type: Condo
  • Property subType: (CC) Low Rise (3- Levels)

Interior

Appliances

  • Appliances included: Disposal,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Owner Access,Shared Access,Storage/Locker,Storage Space

Bathroom

  • Level: Main
  • Area: 63
  • Dimensions: 9 x 7

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Decorative
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 406

Flex Room

  • Level: Main
  • Area: 60
  • Dimensions: 10 x 6

Heating & Cooling

  • Heating features: Boiler
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 406
  • Total interior livable area: 406 sqft

Kitchen

  • Level: Main
  • Area: 66
  • Dimensions: 11 x 6

Other

  • Level: Main
  • Area: 234
  • Dimensions: 18 x 13

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 012823130132
  • Attached to another structure: Yes
  • Zoning description: Residential-Multi-Family,Residential-Single Family
  • Foundation area: 406

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Rear Porch

Lot

  • Lot size: 0.96 Acres
  • Lot size dimensions: 0

Parking

  • Parking features: Parking Lot

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 WaveRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Landslide
Tornado

FEMA Declared Disasters in Ramsey 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 $556$6,672
Home Insurance *$99$1,188
Property Taxes $120$1,440
Electricity $170$2,050
Total$945$11,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,400/yr
40% on housing$28,350/yr
45% on housing$25,200/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 55102$167
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55102$202
Ramsey County$198

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)

Price History

DateEventPrice
2026-04-23Listed for sale$110,000
2024-09-06Listing removed$105,000
2024-08-31Price change$107,500
2024-08-17Price change$110,000
2024-07-31Listed for sale$118,500
2024-07-19Listing removed--
2024-06-22Listed for sale$120,000
2021-06-04Sold$110,000
2020-03-20Sold$94,000
2020-01-21Price change$94,000
2019-12-21Price change$96,000
2019-11-22Price change$98,000
2019-10-22Price change$102,000
2019-09-23Price change$108,500
2019-09-12Price change$114,000
2019-08-12Price change$119,900
2019-07-15Price change$124,900
2019-06-15Listed for sale$129,900
2016-06-28Sold$14,748
2000-05-23Sold$62,000
1999-08-06Sold$47,000

For Sale by Agent

AgentLori P Schneck
BrokerageColdwell Banker Realty

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