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1092 Sims Ave, Saint Paul, MN, 55106

3beds
2baths
1,124sqft
$249,900
$222price/sqft
$1,947/moest. monthly cost
$77,880/yrincome needed

About This Home

Located in the heart of Saint Paul, this charming and move-in ready two-story home blends classic character with key modern updates. Offering 3 bedrooms and 2 bathrooms, this spacious layout features a generous dining room perfect for gatherings and everyday living. Enjoy year-round comfort with central air and a forced-air furnace. The inviting 3-season front porch adds extra living space, while the heated mudroom provides convenient storage and functionality. Recent updates include a new roof in 2026, adding peace of mind for years to come. Situated on a fully fenced double lot, there’s plenty of room for outdoor enjoyment—whether you’re dreaming of expansion, a future garage/shop, or simply space to create lasting memories. Two storage sheds offer additional exterior storage for tools, hobbies, or seasonal items. A wonderful opportunity to own a well-maintained home with space, flexibility, and timeless appeal.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
58
BikeBikeable

Schools

2/10
2/10

Construction

Condition

  • Year built: 1917

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Exhaust Fan,Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

  • Level: Upper
  • Area: 126
  • Dimensions: 14x9

Bedroom2

  • Level: Upper
  • Area: 90
  • Dimensions: 10x9

Bedroom3

  • Level: Upper
  • Area: 77
  • Dimensions: 11x7

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,124

Foyer

  • Level: Main
  • Area: 90
  • Dimensions: 10x9

Heating & Cooling

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

Interior Area

  • Total structure area: 1,124
  • Total interior livable area: 1,124 sqft

Kitchen

  • Level: Main
  • Area: 252
  • Dimensions: 21x12

Living Room

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

Porch

  • Level: Main
  • Area: 126
  • Dimensions: 21x6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 282922420085
  • Zoning description: Residential-Single Family
  • Foundation area: 684

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Full

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 80 x 125

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
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado

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 $1,263$15,156
Home Insurance *$198$2,376
Property Taxes $316$3,792
Electricity $170$2,050
Total$1,947$23,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,754/yr
40% on housing$58,410/yr
45% on housing$51,920/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

$222This 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
2026-05-07Price change$249,900
2026-02-25Listed for sale$259,900
2018-01-30Sold$170,000
2017-12-30Listed for sale$165,000
2015-06-05Sold$55,150
2013-04-25Sold$101,460

For Sale by Agent

AgentAndrew Nguyen
BrokerageLPT Realty, LLC

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