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1450 Ripley Ave, Saint Paul, MN, 55109

4beds
3baths
2,135sqft
$450,000
$211price/sqft
$3,177/moest. monthly cost
$127,080/yrincome needed

About This Home

Welcome to this timeless farmhouse-style home, nestled on a spacious lot just steps from Wakefield Lake and scenic walking paths. A gorgeous front porch offers the perfect place to enjoy your morning coffee or unwind at the end of the day. Inside, the beautifully updated kitchen features stone countertops and a large center island, creating the perfect space for everyday living and entertaining. Just beyond, the living room is warm and welcoming with a cozy gas fireplace, while main-floor laundry adds everyday convenience. Upstairs, three bedrooms on one level provide comfortable living, including one with an attached private bathroom. The versatile loft, complete with its own bathroom, offers endless flexibility, whether you envision a private suite, guest space, home office, or creative retreat. Outside, the expansive pollinator garden attracts butterflies and birds throughout the warmer months. With its thoughtful updates, inviting spaces, and beautiful setting, this home is ready to be enjoyed for years to come. 2021 Kitchen Remodel, Boiler 2021, Mini Splits 2022, Driveway 2020.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
59
BikeBikeable

Schools

3/10
Weaver Elementary SchoolGrades PK-50.7 mi
3/10
John Glenn Middle SchoolGrades 6-80.7 mi
--
Phoenix AcademyGrades 7-120.8 mi

Construction

Condition

  • Year built: 1890

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Brick,Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Chandelier,Cooktop,Dishwasher,Dryer,Freezer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

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

Bedroom2

  • Level: Upper
  • Area: 192
  • Dimensions: 12x16

Bedroom3

  • Level: Upper
  • Area: 165
  • Dimensions: 11x15

Bedroom4

  • Level: Upper
  • Area: 360
  • Dimensions: 15x24

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,135

Foyer

  • Level: Main
  • Area: 128
  • Dimensions: 8x16

Heating & Cooling

  • Heating features: Baseboard,Boiler,Radiator
  • Cooling features: Ductless Mini-Split,Wall Unit(s)

Interior Area

  • Total structure area: 3,092
  • Total interior livable area: 2,135 sqft

Kitchen

  • Level: Main
  • Area: 144
  • Dimensions: 9x16

Laundry

  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Living Room

  • Level: Main
  • Area: 252
  • Dimensions: 14x18

Office

  • Level: Main
  • Area: 49
  • Dimensions: 7x7

Other

  • Level: Main
  • Area: 143
  • Dimensions: 11x13

Patio

  • Level: Main
  • Area: 440
  • Dimensions: 20x22

Porch

  • Level: Main
  • Area: 156
  • Dimensions: 24x6.5

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 152922340045
  • Zoning description: Residential-Single Family
  • Foundation area: 810

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.40 Acres
  • Features: Corner Lot
  • Lot size dimensions: 112 x 157

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado
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 $2,275$27,300
Home Insurance *$276$3,312
Property Taxes $446$5,352
Electricity $180$2,160
Total$3,177$38,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,925/yr
40% on housing$95,310/yr
45% on housing$84,720/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

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 55109$155
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$450,000
2026-08-04Listing removed$450,000
2026-07-24Listed for sale$450,000
2019-11-26Sold$304,000

For Sale by Agent

AgentMegan Harty Kolstad
BrokerageColdwell Banker Realty

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