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607 Simpson St, Saint Paul, MN, 55104

2beds
2baths
2,143sqft
$264,900
$124price/sqft
$2,042/moest. monthly cost
$81,680/yrincome needed

About This Home

Charming and well-maintained Midway home with thoughtful updates throughout. Features include a spacious upper-level primary suite with private bath and great closet space and a main level that offers comfortable living and dining areas with updated flooring and a previously remodeled kitchen. Significant improvements include updated mechanicals with new furnace (2026), central A/C (2024), and newer water heater, along with multiple appliance updates. Recent interior updates include fresh paint, new bedroom flooring, and updated fixtures, giving the home a clean, move-in-ready feel. One room on the main floor provides access to the upper-level suite. Enjoy a new patio, extra off-street parking (up to 2 more cars), and a well-cared-for exterior. Conveniently located near Allianz Field, the Metro Green Line, and shops/restaurants along University Ave.

Getting Around

88
WalkingVery Walkable
0
TransitVery Limited Transit
92
BikeBiker's Paradise

Schools

3/10
Murray Middle SchoolGrades 6-82.3 mi
2/10

Construction

Condition

  • Year built: 1904

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Unfinished

Bedroom

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Bedroom2

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

Bedroom3

  • Level: Upper
  • Area: 238
  • Dimensions: 17x14

Bedrooms & Bathrooms

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

Dining Room

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,328

Heating & Cooling

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

Interior Area

  • Total structure area: 2,143
  • Total interior livable area: 2,143 sqft

Kitchen

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

Living Room

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

Porch

  • Level: Main
  • Area: 96
  • Dimensions: 16x6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 342923220140
  • Zoning description: Residential-Single Family
  • Foundation area: 815

Features

  • Levels: One and One Half
  • Stories: 1
  • Fencing: None
  • Topography of land: Level

Lot

  • Lot size: 3,702 sqft
  • Lot size dimensions: 37 x 100

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $1,339$16,068
Home Insurance *$203$2,436
Property Taxes $320$3,840
Electricity $180$2,168
Total$2,042$24,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,011/yr
40% on housing$61,260/yr
45% on housing$54,453/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

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 55104$150
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
2026-05-05Price change$289,900
2026-04-02Listed for sale$300,000
2002-10-24Sold$154,000

For Sale by Agent

AgentMichael James Seebinger
BrokerageDRG

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