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263 Cottage Ave W, Saint Paul, MN, 55117

2beds
1baths
1,228sqft
$250,000
$204price/sqft
$1,875/moest. monthly cost
$75,000/yrincome needed

About This Home

Charming 2Be/IBA home featuring original hardwood floors, a spacious dining room, enclosed front porch, granite countertops and stainless steel appliances, This beautiful home is situated on a fenced corner lot with a detached garage and full, unfinished basement, offering great storage and future potential! You can be conveniently located near nice parks and trails, as well a great shopping and dining! Don't miss out!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
4/10
Murray Middle SchoolGrades 6-84.0 mi
2/10

Construction

Condition

  • Year built: 1890

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Full

Bedroom

  • Level: Upper
  • Area: 143
  • Dimensions: 11x13

Bedroom2

  • Level: Upper
  • Area: 132
  • Dimensions: 11x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 187
  • Dimensions: 11x17

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,228

Heating & Cooling

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

Interior Area

  • Total structure area: 1,228
  • Total interior livable area: 1,228 sqft

Kitchen

  • Level: Main
  • Area: 117
  • Dimensions: 9x13

Porch

  • Level: Main
  • Area: 102
  • Dimensions: 17x6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 242923420011
  • Zoning description: Residential-Single Family
  • Foundation area: 756

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 1,228 sqft
  • Lot size dimensions: 37 x 125

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Concrete
  • 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
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Hail
Landslide
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 $1,264$15,168
Home Insurance *$163$1,956
Property Taxes $278$3,336
Electricity $170$2,050
Total$1,875$22,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,285/yr
40% on housing$56,250/yr
45% on housing$50,000/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 55117$137
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55117$197
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
2026-08-03Listed for sale$250,000
2024-10-01Sold$222,500
2024-09-06Pending sale$224,900
2024-08-12Listing removed$224,900
2024-08-02Price change$229,900
2024-07-25Price change$234,900
2024-07-22Price change$239,900
2024-07-18Listed for sale$244,900
2023-10-23Sold$203,000
2023-10-04Pending sale$210,000
2023-09-21Listed for sale$210,000
2020-03-27Sold$166,900
2020-02-10Pending sale$167,900
2020-02-10Listed for sale$167,900
2020-02-10Pending sale$167,900
2020-02-01Price change$167,900
2020-01-08Price change$172,900
2019-12-11Listed for sale$179,900
2019-09-27Sold$107,000
1999-12-16Sold$23,000
1998-03-10Sold$10,000

For Sale by Agent

AgentTyrone Maxwell Jr.
BrokerageKeller Williams Classic Rlty NW

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