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1125 Central Ave W, Saint Paul, MN, 55104

4beds
2baths
2,932sqft
$289,900
$99price/sqft
$2,467/moest. monthly cost
$98,680/yrincome needed

About This Home

Stunning brick charmer is a one-of-a-kind find with natural woodwork, built-in buffet, brick gas fireplace and plenty of charm and character. Located in the sought-after Lexington-Hamline neighborhood, this property blends historic charm with thoughtful updates, two FULL bathrooms and an upper level with high ceilings and plenty of space. Step into the home through the covered porch into a welcoming social room with a rustic gas fireplace. The flowing layout connects to two adjacent rooms on the main floor that can be used as a bedroom and connected office or nursery or playroom, dining room and a spacious kitchen with plenty of cabinetry and countertop space — large, bright, and built for both everyday living and entertaining. A full bathroom on the main level adds convenience and character with original tiled flooring. Upstairs, you’ll find 2 inviting bedrooms and a spacious additional living room area. Walk to restaurants, community playgrounds, gardens, and parks, walking/hiking trails, light rail and transit. Easy commute to both downtowns. This charming brick craftsman home radiates warmth, craftsmanship, and pride. It's rare for brick craftsman properties like this to come to market with this combination of history, space, and charm & character. Price includes brand new stainless kitchen appliances (please write into PA).

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

3/10
Murray Middle SchoolGrades 6-83.1 mi
2/10

Construction

Condition

  • Year built: 1921

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Washer
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Unfinished

Bedroom

  • Level: Main
  • Area: 120
  • Dimensions: 10 x 12

Bedroom

  • Level: Upper
  • Area: 108
  • Dimensions: 9x12

Bedroom2

  • Level: Main
  • Area: 120
  • Dimensions: 10 x 12

Bedroom2

  • Level: Upper
  • Area: 210
  • Dimensions: 11'8x18

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 156
  • Dimensions: 13 x 12

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 90
  • Finished area above ground: 1,846

Heating & Cooling

  • Heating features: Hot Water
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 2,932
  • Total interior livable area: 2,932 sqft

Kitchen

  • Level: Main
  • Area: 135
  • Dimensions: 15 x 9

Living Room

  • Level: Main
  • Area: 180
  • Dimensions: 12 x 15

Living Room

  • Level: Upper
  • Area: 318.7778
  • Dimensions: 12'7x25'4

Sun Room

  • Level: Main
  • Area: 96
  • Dimensions: 8 x 12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 342923410014
  • Zoning description: Residential-Single Family
  • Foundation area: 1086

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Front Porch
  • Fencing: Chain Link,Split Rail

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 40 x 120

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
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 $1,465$17,580
Home Insurance *$223$2,676
Property Taxes $532$6,384
Electricity $247$2,967
Total$2,467$29,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,582/yr
40% on housing$74,010/yr
45% on housing$65,786/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

$99This 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
2026-02-09Price change$289,900
2026-01-09Listed for sale$299,900
2025-08-25Sold$200,000
2021-06-10Sold$195,000
2001-06-18Sold$129,900

For Sale by Agent

AgentElizabeth Sibet
BrokerageeXp Realty

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