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1368 Payne Ave, Saint Paul, MN, 55101

2beds
1baths
864sqft
$179,900
$208price/sqft
$1,446/moest. monthly cost
$57,840/yrincome needed

About This Home

Updated 1½-story home featuring fresh interior paint, brand-new carpet and vinyl flooring, and stylish new countertops. The spacious kitchen includes a new refrigerator and range, offering both function and room to entertain. Generous kitchen and bath spaces provide comfort and practicality, while main floor laundry adds convenience. Cove ceilings add classic character throughout. Fully fenced yard, inviting front porch, and oversized 1-car garage complete the package. Clean, updated, and ready for immediate occupancy!

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
70
BikeVery Bikeable

Schools

1/10

Construction

Condition

  • Year built: 1893

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom

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

Bedroom2

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Features

  • Finished area below ground: 0
  • Finished area above ground: 864

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Kitchen

  • Level: Main
  • Area: 105
  • Dimensions: 15x7

Living Room

  • Level: Main
  • Area: 165
  • Dimensions: 15x11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 202922420164
  • Zoning description: Residential-Single Family
  • Foundation area: 576

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 2,744 sqft
  • Lot size dimensions: 0.063

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 WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Hail
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 $909$10,908
Home Insurance *$137$1,644
Property Taxes $230$2,760
Electricity $170$2,050
Total$1,446$17,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,577/yr
40% on housing$43,380/yr
45% on housing$38,560/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 55101$127
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55101
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
2026-05-11Price change$184,900
2026-04-07Price change$189,900
2026-03-09Price change$194,900
2026-02-13Listed for sale$199,900
2021-03-05Listing removed--
2021-02-20Listed for rent$995
2016-01-14Listing removed$800
2016-01-09Listed for rent$800
2012-03-05Listing removed$850
2012-01-05Listed for rent$850
2009-09-14Sold$23,950
2009-06-13Listed for sale$37,500
2007-08-14Sold$107,000
2002-10-23Sold$97,500
2001-05-07Sold$84,900

For Sale by Agent

AgentNicole L Stone
BrokerageRE/MAX Results

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