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275 Western Ave S, Saint Paul, MN, 55102

6beds
2baths
2,814sqft
$410,000
$146price/sqft
$3,463/moest. monthly cost
$138,520/yrincome needed

About This Home

Here is a rare opportunity find...a duplex with two three bedroom apartments ready for new tenants. Newly updated and rare six bedroom duplex in the vibrant West 7th Neighborhood, just steps away from breweries, cafes, restaurants, the Xcel Energy Center, etc. Less than 4 minutes to Downtown Saint Paul and shopping and entertainment district. 5 minutes to scenic trails and bluffs overlooking the river. In the heart of the city but tucked away in a quiet corner, this gem offers brand new appliances, bathrooms, fixtures, etc. with tasteful finishes throughout the home. Great yard space, paved driveway, storage shed, and decks for each level accompany this beautiful property. A great value in St. Paul!

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
76
BikeVery Bikeable

Schools

3/10
7/10

Construction

Condition

  • Year built: 1884

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex Up and Down

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Storage Space

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,098

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,814
  • Total interior livable area: 2,814 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 122823210027
  • Zoning description: Residential-Multi-Family
  • Foundation area: 761

Features

  • Levels: Two
  • Pool features: None
  • Fencing: None
  • Topography of land: Level

Lot

  • Lot size: 3,963 sqft
  • Features: Near Public Transit,Cleared
  • Lot size dimensions: 40 x 100

Parking

  • Parking features: Asphalt,Storage,Open
  • 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 $2,073$24,876
Home Insurance *$370$4,440
Property Taxes $783$9,396
Electricity $237$2,848
Total$3,463$41,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,731/yr
40% on housing$103,890/yr
45% on housing$92,346/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

$146This 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
2026-05-09Price change$420,000
2026-02-21Listed for sale$439,000
2016-01-25Sold$99,500
2015-09-18Listed for sale$137,500
2015-06-09Sold$73,842
2009-11-12Sold$74,500
2009-09-20Price change$84,900
2009-09-02Price change$89,900
2009-08-20Price change$94,900
2009-07-30Price change$99,900
2009-07-16Price change$109,900
2009-06-13Price change$119,900
2009-06-01Price change$144,900
2009-05-13Price change$149,900
2009-04-25Listed for sale$159,900

For Sale by Agent

AgentTim A Guderian
BrokerageRE/MAX RESULTS

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