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345 Grand Ave, Saint Paul, MN, 55102

3beds
2baths
1,560sqft
$323,000
$207price/sqft
$2,480/moest. monthly cost
$99,200/yrincome needed

About This Home

This 1892 Victorian twin sits along Grand Avenue in the sought-after Summit Hill, offering a location that balances neighborhood charm with convenient access to the best of Saint Paul. From here, you’re just a short stroll to the shops, dining, and local favorites that make Grand Avenue such a beloved destination. A classic iron fence and gate create a warm approach to the inviting front porch, introducing the home’s timeless character. Inside, natural light pours through abundant south- and west-facing windows, illuminating the living spaces while highlighting hardwood floors and the craftsmanship of this 1892 Victorian. The layout flows comfortably from room to room, creating inviting spaces to gather, relax, and feel at home. Upstairs, generously sized bedrooms provide peaceful retreats, blending historic charm with everyday comfort. Outside, a private back entry offers room to unwind and enjoy quiet evenings—a welcome feature along Grand Avenue. With NO ASSOCIATION DUES, you’ll enjoy the benefits of homeownership without additional monthly dues. Historic elegance. Modern livability. A Grand Avenue address with enduring appeal. “Seller to pay for Buyer’s origination fee, appraisal fee, and assessment.”

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

3/10
7/10

Construction

Condition

  • Year built: 1892

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,560

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,560
  • Total interior livable area: 1,560 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 012823420160
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 777

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Split Rail

Lot

  • Lot size: 3,267 sqft
  • Lot size dimensions: 2613

Parking

  • Parking features: Gravel

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
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
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 $1,633$19,596
Home Insurance *$291$3,492
Property Taxes $386$4,632
Electricity $170$2,050
Total$2,480$29,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,028/yr
40% on housing$74,400/yr
45% on housing$66,133/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 55102$165
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
2026-05-07Price change$323,000
2026-03-13Listed for sale$333,000
2010-05-18Sold$125,000
2007-12-12Sold$275,000

For Sale by Agent

AgentJoe Gravelle
BrokerageApple Tree Realty

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