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1597 Margaret St, Saint Paul, MN, 55106

4beds
2baths
1,637sqft
$325,000
$199price/sqft
$2,532/moest. monthly cost
$101,280/yrincome needed

About This Home

Welcome to this well-maintained 4-bedroom, 2-bath home offering comfortable living spaces. The spacious living room features a large picture window that fills the home with sunshine, while the functional layout provides room for everyday living and entertaining. Enjoy generously sized bedrooms, a 1-car garage, and a convenient location close to parks, schools, shopping, and major roadways. Whether you're a first-time homebuyer or looking for more space, this home is full of potential and ready for you to make it your own.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

2/10
1/10

Construction

Condition

  • Year built: 1966

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

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

Bedroom2

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

Bedroom3

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

Bedroom4

  • Level: Basement
  • Area: 127.92
  • Dimensions: 10.4 x 12.3

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 65
  • Dimensions: 13x5

Family Room

  • Level: Lower
  • Area: 336
  • Dimensions: 24x14

Features

  • Finished area below ground: 701
  • Finished area above ground: 936

Heating & Cooling

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

Interior Area

  • Total structure area: 1,637
  • Total interior livable area: 1,637 sqft

Kitchen

  • Level: Main
  • Area: 180
  • Dimensions: 20x9

Living Room

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Other

  • Level: Basement
  • Area: 337.34
  • Dimensions: 33.4x10.1

Utility Room

  • Level: Basement
  • Area: 202.46
  • Dimensions: 10.6x19.10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 342922120119
  • Zoning description: Residential-Single Family
  • Foundation area: 936

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 39 x 122

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
  • 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 $1,643$19,716
Home Insurance *$257$3,084
Property Taxes $462$5,544
Electricity $170$2,050
Total$2,532$30,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,811/yr
40% on housing$75,960/yr
45% on housing$67,520/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

$199This 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
2026-08-12Price change$315,000
2026-07-15Listed for sale$325,000
2014-03-14Sold$135,000
2014-02-13Price change$129,900
2014-01-18Listed for sale$139,000
2013-09-17Sold$59,832
2013-07-03Sold$53,400
1998-09-02Sold$87,900

For Sale by Agent

AgentMai Delacruz
BrokerageCreative Results

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