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969 Carroll Ave, Saint Paul, MN, 55104

5beds
3baths
3,648sqft
$319,900
$88price/sqft
$2,764/moest. monthly cost
$110,560/yrincome needed

About This Home

Welcome to this beautifully updated 5-bedroom home that seamlessly blends modern updates with room to make it your own. The heart of the home shines with a fully renovated kitchen featuring sleek granite countertops and stainless steel appliances. Enjoy the comfort of three stylishly remodeled bathrooms, as well as the peace of mind that comes with newer electrical, plumbing, and vinyl windows—enhancing both efficiency and curb appeal. The spacious unfinished basement offers endless potential for customization, whether you're dreaming of a home gym, entertainment space, or additional living quarters. With just a few finishing touches, this home presents an incredible opportunity to build instant equity and tailor it to your lifestyle.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

3/10
7/10

Construction

Condition

  • Year built: 1908

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedroom5

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Upper

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,736

Heating & Cooling

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

Interior Area

  • Total structure area: 3,648
  • Total interior livable area: 3,648 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 352923340008
  • Zoning description: Residential-Single Family
  • Foundation area: 912

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 4,965 sqft
  • Lot size dimensions: 37 x 135

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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
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 $1,617$19,404
Home Insurance *$246$2,952
Property Taxes $594$7,128
Electricity $307$3,692
Total$2,764$33,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,765/yr
40% on housing$82,920/yr
45% on housing$73,706/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

$88This 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
2026-04-17Listed for sale$350,000
2026-03-09Pending sale$350,000
2026-01-22Listed for sale$350,000
2026-01-22Listing removed$340,000
2026-01-08Listed for sale$340,000
2025-12-11Sold$324,251
2025-11-28Pending sale$340,000
2025-09-29Listed for sale$340,000
2025-07-28Listing removed$350,000
2025-06-23Price change$350,000
2025-06-03Price change$365,000
2025-05-16Listed for sale$375,000
2024-07-25Sold$348,000
2024-04-15Sold$348,000
2024-03-21Pending sale$359,900
2024-01-19Listed for sale$359,900
2021-09-25Listing removed--
2021-09-10Price change$2,199
2021-06-11Listed for rent$2,249
2020-06-26Listing removed$2,099
2020-06-17Listed for rent$2,099
2015-03-25Listing removed$1,850
2015-01-19Listed for rent$1,850
2014-10-24Sold$190,606
2014-06-26Price change$224,900
2014-06-03Price change$234,000
2014-03-21Listed for sale$249,865
2013-06-07Sold$50,000

For Sale by Agent

AgentVanessa Floyd
BrokeragePemberton RE

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