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2280 Polar Way, North Saint Paul, MN, 55109

4beds
3baths
1,931sqft
$359,900
$186price/sqft
$2,744/moest. monthly cost
$109,760/yrincome needed

About This Home

Built in 2021 and impeccably maintained, this gorgeous townhome lives like brand new. The spacious rooms give single-family vibes, but with all the conveniences of association-maintained living. It is uniquely positioned in the community away from busy streets and with private Southern exposure. It is tastefully finished with white trim & doors, 9ft ceilings, and beautiful flooring. Features include a private balcony, fireplace, and a unique double-bar kitchen with stainless, stone counters, and pantry. The en suite primary includes a luxurious bathroom and huge walk-in closet. Laundry is conveniently located in the upper level hall. The lower level features a spacious 2-car garage and a large finished 4th bedroom. Enjoy this amazing location with easy access to both downtowns, White Bear, and Stillwater. Nearby conveniences include the fantastic Gateway Trail and historic 7th Avenue Business District - both just steps away. There's even a Kwik Trip right down the street! This is a great opportunity to own a high quality & newly built townhome with affordable monthly dues.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

4/10
Cowern Elementary SchoolGrades PK-50.5 mi
3/10
John Glenn Middle SchoolGrades 6-81.5 mi
--

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Electric Water Heater,Humidifier,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Unit,Upper Level

Basement

  • Basement: None

Bedroom

  • Level: Upper
  • Area: 195
  • Dimensions: 13 x 15

Bedroom2

  • Level: Upper
  • Area: 90
  • Dimensions: 9 x 10

Bedroom3

  • Level: Upper
  • Area: 108
  • Dimensions: 9 x 12

Bedroom4

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

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 130
  • Dimensions: 10 x 13

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 310
  • Finished area above ground: 1,621

Heating & Cooling

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

Interior Area

  • Total structure area: 1,931
  • Total interior livable area: 1,931 sqft

Kitchen

  • Level: Main
  • Area: 160
  • Dimensions: 10 x 16

Living Room

  • Level: Main
  • Area: 374
  • Dimensions: 17 x 22

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 122922330149
  • Attached to another structure: Yes
  • Zoning description: Other
  • Foundation area: 805

Features

  • Levels: Three Level Split

Lot

  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Tuckunder Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Hail
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 $1,819$21,828
Home Insurance *$220$2,640
Property Taxes $535$6,420
Electricity $170$2,050
Total$2,744$32,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,080/yr
40% on housing$82,320/yr
45% on housing$73,173/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 55109$156
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55109$196
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
2026-02-10Listed for sale$359,900
2021-05-28Sold$346,105
2021-05-03Pending sale$346,105
2021-04-28Price change$346,105
2021-04-13Price change$342,105
2021-03-31Price change$340,105
2021-03-25Pending sale$335,105
2021-03-16Price change$335,105
2021-02-21Price change$333,105
2021-02-11Price change$331,105
2021-02-02Listed for sale$327,105

For Sale by Agent

AgentScott Parkin
BrokerageVerve Realty

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