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1381 White Bear Ave N, Saint Paul, MN, 55106

3beds
1baths
2,016sqft
$240,000
$119price/sqft
$1,957/moest. monthly cost
$78,280/yrincome needed

About This Home

Welcome to this charming and well-maintained home in the heart of Saint Paul! Located on White Bear Avenue, this property offers a fantastic blend of convenience and comfort, with easy access to shopping, dining, parks, and major roadways. Inside, you’ll find a bright and inviting layout with spacious living areas and plenty of natural light throughout. The home features comfortable bedrooms, a functional kitchen with ample cabinet space, and flexible living areas perfect for everyday living or entertaining. Outside, enjoy a manageable yard with room to relax, garden, or host gatherings. Whether you're a first-time buyer, investor, or looking to downsize, this property offers great potential and value in a convenient location. Don’t miss the opportunity to make this home your own!

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

4/10
2/10
2/10

Construction

Condition

  • Year built: 1909

Materials

  • Roof: Age Over 8 Years,Architectural Shingle
  • Construction materials: Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Microwave,Range,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Full

Bedroom

  • Level: Upper
  • Area: 143
  • Dimensions: 11 x 13

Bedroom2

  • Level: Upper
  • Area: 132
  • Dimensions: 11 x 12

Bedroom3

  • Level: Upper
  • Area: 110
  • Dimensions: 11 x 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Area: 182
  • Dimensions: 13 x 14

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,344

Heating & Cooling

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

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 2,016 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 11 x 13

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 13 x 14

Other

  • Level: Main
  • Area: 147
  • Dimensions: 7 x 21

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 222922410031
  • Zoning description: Residential-Single Family
  • Foundation area: 672

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Enclosed,Front Porch,Glass Enclosed,Patio
  • Fencing: Partial,Privacy,Wood

Lot

  • Lot size: 5,575 sqft
  • Features: Corner Lot
  • Lot size dimensions: 51 x 113

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveVery 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 $1,213$14,556
Home Insurance *$190$2,280
Property Taxes $384$4,608
Electricity $170$2,050
Total$1,957$23,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,097/yr
40% on housing$58,710/yr
45% on housing$52,186/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

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 55106$115
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55106$169
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
2026-05-08Listed for sale$240,000
2023-05-05Sold$210,000
2023-02-24Sold$210,000
2020-11-04Listing removed$224,900
2020-10-10Price change$224,900
2020-09-26Listed for sale$230,000
2020-08-18Sold$146,500
2013-07-31Listing removed$1,095
2013-06-28Listed for rent$1,095
2010-01-31Listing removed$134,900
2010-01-11Price change$134,900
2009-12-04Price change$139,900
2009-11-12Listed for sale$144,900
2003-12-04Sold$139,900
2003-06-30Sold$139,900
2000-06-28Sold$102,000

For Sale by Agent

AgentJenna Barnett
BrokeragePemberton RE

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