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1601 Hubbard Ave, Saint Paul, MN, 55104

3beds
3baths
1,776sqft
$470,000
$265price/sqft
$3,512/moest. monthly cost
$140,480/yrincome needed

About This Home

Charming and beautifully updated two story home in great location near Hamline University, fun shops and dining. Classic details include maple flooring in the kitchen and upper level, along with a stunning built-in hutch that adds warmth and historic charm to the spacious dining room. The updated kitchen features stainless appliances, refreshed countertops, and access to a beautiful powder room. Upstairs, the wonderfully renovated full bath features a Gucci shower and a large jetted tub. Updates to the home include: fenced yard 2007, new kitchen windows 2010, main floor powder room added 2012, new roof with 50 year shingles 2017, chimney and foundation tuckpointed 2017, new gutters and downspouts with leaf filters 2019, and new family room carpeting 2026. Additional improvements include: glass block windows in lower level, upgraded sashes on 8 windows, house and garage painted, and patio (made from reclaimed University Avenue cobblestones) with Pagoda – like shelter. And the 4 car garage is awesome! Sided in Hardy Plank, the 1100 square foot garage is insulated and heated with its own 100 amp service. There is also a 240 volt circuit to supply a future charging station for an electric vehicle if desired. Also the large unfinished attic space could be finished for a craft area or a cool hangout room. Like to garden? The sunny yard offers endless possibilities! Come see the truly wonderful home today!

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
84
BikeVery Bikeable

Schools

4/10
Murray Middle SchoolGrades 6-81.8 mi
2/10

Construction

Condition

  • Year built: 1911

Materials

  • Roof: Architectural Shingle,Pitched
  • Construction materials: Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Daylight,Drainage System,Partially Finished,Storage Space,Tile Shower

Bedroom

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedroom2

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 180
  • Dimensions: 15x12

Family Room

  • Level: Lower
  • Area: 288
  • Dimensions: 24x12

Features

  • Finished area below ground: 276
  • Finished area above ground: 1,500

Heating & Cooling

  • Heating features: Baseboard,Boiler,Radiator,Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,250
  • Total interior livable area: 1,776 sqft

Kitchen

  • Level: Main
  • Area: 187
  • Dimensions: 17x11

Laundry

  • Level: Lower
  • Area: 104
  • Dimensions: 13x8

Living Room

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Office

  • Level: Upper
  • Area: 81
  • Dimensions: 9x9

Other

  • Level: Upper
  • Area: 64
  • Dimensions: 8x8

Other

  • Level: Main
  • Area: 160
  • Dimensions: 16x10

Other

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

Storage

  • Level: Lower
  • Area: 99
  • Dimensions: 11x9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 282923440017
  • Zoning description: Residential-Single Family
  • Foundation area: 750

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Fencing: Chain Link,Partial

Lot

  • Lot size: 10,541 sqft
  • Features: Near Public Transit,Tree Coverage - Medium
  • Lot size dimensions: 176 x 60

Parking

  • Total spaces: 4
  • Parking features: Detached Garage,Asphalt,Garage Door Opener,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes

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
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Tornado
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 $2,376$28,512
Home Insurance *$361$4,332
Property Taxes $605$7,260
Electricity $170$2,050
Total$3,512$42,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,411/yr
40% on housing$105,360/yr
45% on housing$93,653/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

$265This listing

vs Other Active Listings

Avg $/sqft

ZIP 55104$148
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
2026-07-18Listed for sale$470,000
2005-01-11Sold$266,000
1998-05-13Sold$120,000

For Sale by Agent

AgentWilliam S Thelen
BrokerageRE/MAX Results

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