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2742 Hilltop Ct, North Saint Paul, MN, 55109

5beds
2baths
2,204sqft
$409,900
$186price/sqft
$3,023/moest. monthly cost
$120,920/yrincome needed

About This Home

Situated on an oversized double lot, this beautifully updated 5-bedroom, 2-bathroom home offers exceptional indoor and outdoor living with a private backyard designed for entertaining. Relax or host guests on the expansive maintenance-free AZEK composite deck, gather around the brick paver patio, and enjoy the convenience of a 12' x 10' storage shed surrounded by mature landscaping. Inside, you'll find timeless elegance with stunning Brazilian hardwood floors, pristine kitchen cabinetry, granite countertops, stainless steel appliances, and a stylish glass tile backsplash. The thoughtfully designed kitchen offers both beauty and functionality, making it the heart of the home. The spacious primary suite features a walk-through bathroom complete with tile flooring, a tiled tub surround, granite countertops, abundant cabinetry, and generous closet space. Heated floors in the bathrooms and foyer add a touch of everyday luxury and comfort. Extensively updated for peace of mind, the home includes newer windows, all new entry doors, copper gutters, and a 2023 impact-resistant architectural shingle roof, providing lasting value and curb appeal. With five spacious bedrooms, three bathrooms, premium finishes throughout, and an incredible private double-lot setting, this exceptional home offers the perfect blend of quality craftsmanship, modern updates, and outdoor enjoyment.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
3/10
John Glenn Middle SchoolGrades 6-82.2 mi
--
Special Education EsyGrades K-120.6 mi

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle,Asphalt,Pitched
  • Construction materials: Block,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Humidifier,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Egress Window(s),Finished,Sump Pump

Bedroom

  • Level: Upper
  • Area: 120
  • Dimensions: 12x10

Bedroom2

  • Level: Upper
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: Upper
  • Area: 121
  • Dimensions: 11x11

Bedroom4

  • Level: Lower
  • Area: 154
  • Dimensions: 14x11

Bedroom5

  • Level: Lower
  • Area: 143
  • Dimensions: 13x11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Deck

  • Level: Upper
  • Area: 225
  • Dimensions: 15x15

Dining Room

  • Level: Upper
  • Area: 90
  • Dimensions: 10x9

Family Room

  • Level: Lower
  • Area: 253
  • Dimensions: 23x11

Features

  • Finished area below ground: 1,000
  • Finished area above ground: 1,204

Foyer

  • Level: Main
  • Area: 153
  • Dimensions: 17x9

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,204
  • Total interior livable area: 2,204 sqft

Kitchen

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Living Room

  • Level: Upper
  • Area: 255
  • Dimensions: 17x15

Patio

  • Level: Main
  • Area: 378
  • Dimensions: 21x18

Porch

  • Level: Main
  • Area: 84
  • Dimensions: 12x7

Utility Room

  • Level: Lower
  • Area: 132
  • Dimensions: 12x11

Property

Accessibility

  • Accessibility features: Grab Bars In Bathroom

Details

  • Parcel number: 012922340040
  • Zoning description: Residential-Single Family
  • Foundation area: 1200

Features

  • Levels: Multi/Split
  • Pool features: None
  • Patio & porch: Composite Decking,Deck,Patio
  • Fencing: Partial,Wood

Lot

  • Lot size: 0.36 Acres
  • Features: Tree Coverage - Light
  • Lot size dimensions: 106 x 141 x 122 x 127

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado
Winter Weather

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 $2,072$24,864
Home Insurance *$251$3,012
Property Taxes $515$6,180
Electricity $185$2,230
Total$3,023$36,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,645/yr
40% on housing$90,690/yr
45% on housing$80,613/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 55109$156
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55109$196
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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$409,900
2026-08-01Listed for sale$409,900

For Sale by Agent

AgentGreg Winegarden
BrokerageColdwell Banker Realty

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