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1273 7th St W, Saint Paul, MN, 55102

5beds
4baths
5,472sqft
$599,000
$109price/sqft
$4,623/moest. monthly cost
$184,920/yrincome needed

About This Home

Live in one unit and let the other three help pay your mortgage in this beautifully maintained 4-plex in the heart of Saint Paul’s highly desirable West Seventh neighborhood. This is an ideal opportunity for an owner-occupant who wants to build equity while enjoying the character and walkability of one of the city’s most vibrant areas. The standout unit is the spacious 2-bedroom apartment, which lives more like a small home. It features a private sliding patio door that opens directly to the fenced side yard, along with a finished lower-level living room that adds valuable and flexible square footage—perfect for a home office, workout space, media room, or guest area. The remaining three 1-bedroom units are thoughtfully laid out and consistently attractive to renters, making this a stable and practical house-hack opportunity. Throughout the property you’ll find beautiful hardwood floors, stainless steel appliances, and classic charm that fits perfectly with the character of the neighborhood. Residents enjoy access to a shared front porch and shared back porch, while the owner's suite benefits from its own private porch space. The large fenced side yard offers room to relax, entertain, garden, or accommodate pets. A new roof was installed in July 2024, adding peace of mind for the next owner. The unfinished third floor presents future potential—whether as expanded living space for an owner-occupant or a possible additional unit (buyer to verify), creating long-term upside beyond the current income. Buyer to confirm all details and measurements.

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
83
BikeVery Bikeable

Schools

3/10
Highland Middle SchoolGrades 6-81.8 mi

Construction

Condition

  • Year built: 1893

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Fourplex

Interior

Appliances

  • Laundry features: In Basement,Common Area,Coin-op Laundry Owned

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Sump Basket,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4

Features

  • Finished area below ground: 365
  • Finished area above ground: 3,648

Heating

  • Heating features: Boiler,Radiator

Interior Area

  • Total structure area: 5,472
  • Total interior livable area: 5,472 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 112823430011
  • Zoning description: Residential-Multi-Family
  • Foundation area: 1824

Features

  • Levels: Two
  • Patio & porch: Deck,Front Porch,Rear Porch,Side Porch

Lot

  • Lot size: 8,929 sqft
  • Features: Tree Coverage - Light
  • Lot size dimensions: 80 x 111

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Parking Lot
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $3,028$36,336
Home Insurance *$540$6,480
Property Taxes $594$7,128
Electricity $461$5,538
Total$4,623$55,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,502/yr
40% on housing$138,690/yr
45% on housing$123,280/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

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 55102$166
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
2026-03-10Listed for sale$599,000
2021-03-24Listing removed--
2019-09-25Listing removed$1,000
2019-09-05Listed for rent$1,000

For Sale by Agent

AgentJohn A Stiles
BrokeragePeritus Real Estate

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