682 4th St E, Saint Paul, MN, 55106
About This Home
Well-located side-by-side duplex on St Pauls East Side offering strong long-term rental appeal in a stable and growing neighborhood. The property benefits from convenient access to downtown St Paul, public transportation, Mississippi Market Co-Op, and the restaurants, shopping, and entertainment along East 7th Street. The side-by-side layout provides added privacy and functionality compared to traditional duplex configurations, contributing to strong tenant demand and long-term rental stability. Located in an established East Side neighborhood with continued investment and redevelopment activity, the property presents an excellent opportunity for investors seeking stable cash flow with additional upside potential. Utilities are currently partially owner-paid, with ownership implementing a RUBS utility reimbursement program across the portfolio beginning Q3 2026. Future ownership will have the opportunity to improve NOI through utility cost recovery and operational efficiencies.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1874
Materials
- Roof: Age 8 Years or Less
- Construction materials: Block,Concrete,Frame
Type & Style
- Home type: MultiFamily
- Property subType: Duplex Side by Side
Interior
Appliances
- Laundry features: In Basement,Gas Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Single Tenant Access,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,888
Heating
- Heating features: Forced Air
Interior Area
- Total structure area: 4,332
- Total interior livable area: 2,888 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 322922410002
- Zoning description: Residential-Multi-Family
- Foundation area: 1444
Features
- Levels: Two
- Topography of land: Sloped
Lot
- Lot size: 4,791 sqft
- Features: Near Public Transit
- Lot size dimensions: 40 x 120
Parking
- Parking features: On Street
- 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
- Heat Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Ramsey County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,982 | $23,784 |
| Home Insurance * | $310 | $3,720 |
| Property Taxes | $744 | $8,928 |
| Electricity | $243 | $2,922 |
| Total | $3,279 | $39,348 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $345,000 |
| 2026-06-26 | Price change | $392,000 |
| 2026-05-16 | Listed for sale | $441,750 |
| 1999-08-19 | Sold | $52,000 |
| 1994-07-01 | Sold | $3,750 |
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