See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

540 Holly Ave, Saint Paul, MN, 55102

5beds
5baths
3,703sqft
$1,595,000
$431price/sqft
$12,264/moest. monthly cost
$490,560/yrincome needed

About This Home

In the heart of historic Cathedral Hill, this exceptional custom residence seamlessly blends timeless architectural character with the comfort, efficiency, and amenities of modern luxury living. Built in 2022 and impeccably maintained, this is a rare opportunity to own a nearly new home in one of Saint Paul's most coveted neighborhoods, just moments from renowned restaurants, charming cafés, boutique shopping, parks, and cultural attractions. The thoughtfully designed open-concept main level serves as the heart of the home, offering an effortless flow for both everyday living and entertaining. A welcoming front porch creates a warm first impression. The chef's kitchen is a true showpiece, featuring an oversized center island, premium Thermador appliance package, custom wine bar, with storage for more than 200 bottles. A striking three-sided fireplace crafted with reclaimed wood from trees originally on the property anchors the living spaces and adds warmth and character throughout. Upstairs, four generously sized bedrooms provide exceptional comfort and privacy. The luxurious primary suite is a private retreat, complete with a heated bathroom floor, separate soaking tub and shower, and exclusive access to a private balcony. A secondary ensuite bedroom and two additional bedrooms connected by a dual-access bath create an ideal layout for family and guests. The lower level is designed for relaxation and entertainment, offering expansive recreation and media spaces, a stylish bar area, a fifth bedroom, and bathroom, perfect for overnight guests, multigenerational living, or additional flexibility. Outdoor living is equally impressive with a fully fenced backyard, electronic remote controlled gate, and a beautifully designed patio oasis that provides privacy and space for gathering, dining, and enjoying Minnesota's seasons. Enhanced with forward-thinking technology, the home features a whole-house electric shade system, EcoFlow smart panel with backup battery capability, and solar-ready infrastructure, combining luxury living with energy-conscious design. A truly one-of-a-kind offering that delivers the best of Cathedral Hill living—historic charm, modern craftsmanship, and an unmatched lifestyle in one of Saint Paul's most prestigious neighborhoods.

Getting Around

84
WalkingVery Walkable
0
TransitVery Limited Transit
77
BikeVery Bikeable

Schools

3/10
7/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

  • Level: Upper
  • Area: 270
  • Dimensions: 18x15

Bedroom2

  • Level: Upper
  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Level: Upper
  • Area: 169
  • Dimensions: 13x13

Bedroom4

  • Level: Upper
  • Area: 182
  • Dimensions: 14x13

Bedroom5

  • Level: Lower
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 2
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Deck

  • Level: Main
  • Area: 126
  • Dimensions: 18x07

Dining Room

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Family Room

  • Level: Lower
  • Area: 340
  • Dimensions: 20x17

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,046
  • Finished area above ground: 2,657

Heating & Cooling

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

Interior Area

  • Total structure area: 3,824
  • Total interior livable area: 3,703 sqft

Kitchen

  • Level: Main
  • Area: 320
  • Dimensions: 20x16

Living Room

  • Level: Main
  • Area: 240
  • Dimensions: 20x12

Media Room

  • Level: Lower
  • Area: 399
  • Dimensions: 21x19

Office

  • Level: Main
  • Area: 256
  • Dimensions: 16x16

Patio

  • Level: Main
  • Area: 320
  • Dimensions: 20x16

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 012823230257
  • Zoning description: Residential-Single Family
  • Foundation area: 1167

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Fencing: Full

Lot

  • Lot size: 6,011 sqft
  • Lot size dimensions: 47 x 129

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
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Landslide
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 $8,065$96,780
Home Insurance *$1,439$17,268
Property Taxes $2,448$29,376
Electricity $312$3,747
Total$12,264$147,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$420,480/yr
40% on housing$367,920/yr
45% on housing$327,040/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

$431This listing

vs Other Active Listings

Avg $/sqft

ZIP 55102$161
Ramsey County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 55102$202
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
2026-07-08Price change$1,595,000
2026-06-18Listed for sale$1,695,000
2022-03-15Sold$1,570,000
2022-02-14Pending sale$1,650,000
2022-01-18Listed for sale$1,650,000
2021-12-07Listing removed--
2021-07-22Listed for sale$1,499,900

For Sale by Agent

AgentMichael J Lynch
BrokerageLakes Sotheby's International Realty

Similar Homes