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852 Jessamine Ave E, Saint Paul, MN, 55106

5beds
2baths
1,915sqft
$264,000
$138price/sqft
$2,154/moest. monthly cost
$86,160/yrincome needed

About This Home

Fantastic duplex opportunity in a bustling St. Paul neighborhood. Exceptional income potential makes this perfect for investors, owner-occupants looking to live in one unit and rent the other or an excellent opportunity for a large family with a Mother-in-law apartment. Maximum flexibility with current long-term tenants on a month-to-month lease. Just imagine...they would be paying your mortgage payment and building equity for you. High-demand location close to dining, shopping, transit and easy access to Hwy 35E & 94 The before & after photos are to show the possibilities in this rare gem of a home. A true must-see home with endless potential. Check out the upgrade list in supplements.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

2/10
2/10

Construction

Condition

  • Year built: 1889

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Post and Beam

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex Up and Down

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Storage Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,915

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,062
  • Total interior livable area: 1,915 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 282922220168
  • Zoning description: Residential-Multi-Family
  • Foundation area: 1042

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Front Porch,Screened
  • Fencing: Wood

Lot

  • Lot size: 4,878 sqft
  • Lot size dimensions: 40 x 122

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

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Heat Wave
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 $1,334$16,008
Home Insurance *$209$2,508
Property Taxes $441$5,292
Electricity $170$2,050
Total$2,154$25,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,851/yr
40% on housing$64,620/yr
45% on housing$57,440/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

$138This 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
2026-07-30Listed for sale$264,000
2021-12-08Listing removed--
2021-02-26Sold$194,000
2021-02-01Pending sale$194,000
2020-10-22Price change$194,000
2020-09-30Listed for sale$200,000
2009-11-17Sold$59,000
2001-07-23Sold$121,000

For Sale by Agent

AgentBarbara Carnes
BrokerageLakes Area Realty

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