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1582 3rd St E, Saint Paul, MN, 55106

5beds
2baths
1,960sqft
$349,900
$179price/sqft
$2,562/moest. monthly cost
$102,480/yrincome needed

About This Home

Completely renovated and move-in ready, this hard-to-find one-level rambler offers the perfect blend of modern updates, functionality, and convenience. Featuring 5 bedrooms, 2 full bathrooms, and a finished basement, this home provides plenty of space for family, guests, a home office, or hobbies. Enjoy all-new flooring throughout and stylish updates that make this home truly turnkey. The spacious finished lower level expands your living space with additional bedrooms and flexible areas for entertaining or relaxing. The oversized 2-car garage offers plenty of room for vehicles, tools, and extra storage. Ideally located directly across from Harding High School and just steps from city bus transit, you'll appreciate easy access to schools, parks, shopping, dining, and major commuter routes. This beautifully renovated home is a rare opportunity to own a move-in-ready rambler with five bedrooms and exceptional value.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

2/10
1/10

Construction

Condition

  • Year built: 1977

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

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

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Bedroom4

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

Bedroom5

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Deck

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Den

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

Dining Room

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

Family Room

  • Level: Lower
  • Area: 198
  • Dimensions: 18x11

Features

  • Finished area below ground: 944
  • Finished area above ground: 1,016

Heating & Cooling

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

Interior Area

  • Total structure area: 2,032
  • Total interior livable area: 1,960 sqft

Kitchen

  • Level: Main
  • Area: 104
  • Dimensions: 8x13

Laundry

  • Level: Lower
  • Area: 72
  • Dimensions: 9x8

Living Room

  • Level: Main
  • Area: 336
  • Dimensions: 14x24

Office

  • Level: Lower
  • Area: 121
  • Dimensions: 11x11

Utility Room

  • Level: Lower
  • Area: 80
  • Dimensions: 10x8

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 342922130094
  • Zoning description: Residential-Single Family
  • Foundation area: 1016

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: Chain Link,Wire

Lot

  • Lot size: 6,708 sqft
  • Lot size dimensions: 60 x 114

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Asphalt
  • 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 $1,769$21,228
Home Insurance *$277$3,324
Property Taxes $346$4,152
Electricity $170$2,050
Total$2,562$30,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,840/yr
40% on housing$76,860/yr
45% on housing$68,320/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

$179This 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
2026-08-06Listed for sale$349,900
2025-05-28Sold$220,000
2024-06-28Sold$192,727
2001-08-16Sold$132,000

For Sale by Agent

AgentLinda Vang
BrokerageReal Broker, LLC

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