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442 Pierce St N, Saint Paul, MN, 55104

4beds
2baths
3,240sqft
$369,500
$114price/sqft
$2,791/moest. monthly cost
$111,640/yrincome needed

About This Home

Look no further! Charming up/down duplex on quiet, tree lined street and walkable to transit, shopping, and restaurants as well as Allianz Field! This well-maintained property offers opportunity for both homeowner occupied buyers and investors. Each unit features 2 bedrooms and 1 bath each with updated kitchens and baths featuring beautiful woodwork and built-ins and an open floorplan with formal dining. Upper unit features a private porch and both units share a nice sized deck and front porch entrance. A large basement for storage and washer/dryer access round out this promising property.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
73
BikeVery Bikeable

Schools

3/10
Murray Middle SchoolGrades 6-82.4 mi
2/10

Construction

Condition

  • Year built: 1923

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex Up and Down

Interior

Appliances

  • Laundry features: Coin-op Laundry Owned

Basement

  • Has basement: Yes
  • Basement: Block,Daylight

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,160

Heating

  • Heating features: Hot Water,Radiant

Interior Area

  • Total structure area: 3,240
  • Total interior livable area: 3,240 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 332923410090
  • Zoning description: Residential-Multi-Family
  • Foundation area: 1080

Features

  • Levels: Two
  • Patio & porch: Deck,Front Porch

Lot

  • Lot size: 4,791 sqft
  • Features: Near Public Transit,Tree Coverage - Medium
  • 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 $1,868$22,416
Home Insurance *$284$3,408
Property Taxes $366$4,392
Electricity $273$3,279
Total$2,791$33,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,691/yr
40% on housing$83,730/yr
45% on housing$74,426/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

$114This 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
2026-04-06Price change$358,000
2026-01-04Pending sale$350,000
2025-11-01Listed for sale$350,000
2022-12-02Sold$340,000
2022-11-04Pending sale$329,900
2022-09-28Price change$329,900
2022-09-21Listed for sale$349,900

For Sale by Agent

AgentLynn M Fellerman
BrokerageRealty ONE Group Choice

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