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1015 Hubbard Ave, Saint Paul, MN, 55104

2beds
1baths
714sqft
$235,000
$329price/sqft
$1,920/moest. monthly cost
$76,800/yrincome needed

About This Home

Welcome to 1015 Hubbard! Conveniently located just blocks from Como Park, Allianz Field, and many of St. Paul's everyday amenities, this 2-bedroom, 1-bathroom home offers comfortable living. Rich hardwood floors run throughout the main level, which features a functional layout designed to make the most of the space. Recent improvements include bathroom updates and a brand-new 200-amp electrical panel. The unfinished lower level provides excellent storage and the opportunity to add finished living space in the future. Outside, the oversized city lot offers plenty of room for gardening, entertaining, or relaxing, while the storage shed helps keep seasonal items organized while preserving space in the garage for parking. Whether you're looking for your first home, a place to simplify, or an opportunity to make a space your own over time, the home's practical layout, future potential, and generous outdoor space is ready to enjoy from day one. Come check it out!

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
83
BikeVery Bikeable

Schools

3/10
7/10

Construction

Condition

  • Year built: 1955

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Dryer,Freezer,Gas Water Heater,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Block,Unfinished

Bathroom

  • Level: Main
  • Area: 55.6111
  • Dimensions: 8'8" x 6'5"

Bedroom

  • Level: Main
  • Area: 150.3194
  • Dimensions: 13'2" x 11'5"

Bedroom2

  • Level: Main
  • Area: 130.3403
  • Dimensions: 11'5" x 11'5"

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 714

Heating & Cooling

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

Interior Area

  • Total structure area: 1,307
  • Total interior livable area: 714 sqft

Kitchen

  • Level: Main
  • Area: 140.9722
  • Dimensions: 14'7" x 9'8"

Living Room

  • Level: Main
  • Area: 203.7917
  • Dimensions: 16'9" x 12'2"

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 262923330007
  • Zoning description: Residential-Single Family
  • Foundation area: 714

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck
  • Fencing: Chain Link

Lot

  • Lot size: 5,227 sqft
  • Features: Near Public Transit,Tree Coverage - Heavy
  • Lot size dimensions: 39 x 134

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 $1,188$14,256
Home Insurance *$180$2,160
Property Taxes $382$4,584
Electricity $170$2,050
Total$1,920$23,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,828/yr
40% on housing$57,600/yr
45% on housing$51,200/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

$329This listing

vs Other Active Listings

Avg $/sqft

ZIP 55104$150
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55104$209
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
2026-08-10Price change$225,000
2026-07-24Listed for sale$235,000
2012-06-29Sold$63,000
2002-04-17Sold$60,000

For Sale by Agent

AgentChristopher Yortsos
BrokerageVIBE Realty

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