See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

685 Stewart Ave, Saint Paul, MN, 55102

3beds
2baths
1,268sqft
$274,900
$217price/sqft
$2,168/moest. monthly cost
$86,720/yrincome needed

About This Home

Experience the perfect blend of historic charm and modern peace of mind. This beautifully updated home features major mechanical upgrades, including a new furnace, central AC, and electrical system. Additional improvements include a newer roof, windows, plumbing, and renovated kitchen and baths. The main level offers an inviting flow with a spacious living room, formal dining area, and a bright, south-facing enclosed front porch. Upstairs, you’ll find versatile living space (note: the third bedroom is non-conforming, accessible via the second bedroom/office). Located in the vibrant West Seventh neighborhood, you are just steps away from transit, recreational trails, and the area’s best dining. Truly move-in ready! Garage access is via recorded easement to Tuscorora.

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
84
BikeVery Bikeable

Schools

4/10
Highland Middle SchoolGrades 6-82.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

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

Bedroom2

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

Bedroom3

  • Level: Upper
  • Area: 176
  • Dimensions: 16x11

Bedrooms & Bathrooms

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

Dining Room

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,268

Heating & Cooling

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

Interior Area

  • Total structure area: 1,268
  • Total interior livable area: 1,268 sqft

Kitchen

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 112823440050
  • Zoning description: Residential-Single Family
  • Foundation area: 750

Features

  • Levels: One and One Half
  • Stories: 1
  • Fencing: Chain Link,Partial

Lot

  • Lot size: 3,876 sqft
  • Features: Tree Coverage - Light
  • Lot size dimensions: 38 x 99

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
  • 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 $1,390$16,680
Home Insurance *$248$2,976
Property Taxes $360$4,320
Electricity $170$2,050
Total$2,168$26,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,331/yr
40% on housing$65,040/yr
45% on housing$57,813/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

$217This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$274,900
2026-08-08Listing removed$274,900
2026-07-17Listed for sale$274,900

For Sale by Agent

AgentDavid K. Wickiser
BrokerageWickiser Real Estate Group, Inc.

Similar Homes