362 Maria Ave
Saint Paul, MN · Dayton's Bluff · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $320,000 2 units · $160K per unit
- Monthly cash flow
- −$484 at 20% down, 7%
- Break-even price
- $229,036 where cash flow hits $0
The numbers
Edit rents, costs and assumptions
Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).
The deal
- Price
- $320,000
- Cash to close
- $41,600
- Price per unit
- $160,000
- GRM
- 9.4
Each month
- Cash flow
- −$877/mo
- Cash-on-cash
- −25.3%
- Cap rate
- 4.6%
- DSCR
- 0.58×
Break-even
- Price that breaks even
- $186,104
- Rent that breaks even
- $3,989/mo
Long run
- Year 30: property vs stocks
- $785K vs $792K
- Cash flow turns positive
- year 19
The deal
- Price
- $320,000
- Cash to close
- $41,600
- Price per unit
- $160,000
- GRM
- 9.4
Each month
- Cash flow
- −$1,118/mo
- Cash-on-cash
- −32.3%
- Cap rate
- 3.7%
- DSCR
- 0.47×
Break-even
- Price that breaks even
- $149,295
- Rent that breaks even
- $4,481/mo
Long run
- Year 30: property vs stocks
- $731K vs $1.11M
- Cash flow turns positive
- year 30
The deal
- Price
- $310,000
- Cash to close
- $40,300
- Price per unit
- $155,000
- GRM
- 9.1
Each month
- Cash flow
- −$812/mo
- Cash-on-cash
- −24.2%
- Cap rate
- 4.7%
- DSCR
- 0.60×
Break-even
- Price that breaks even
- $186,104
- Rent that breaks even
- $3,904/mo
Long run
- Year 30: property vs stocks
- $775K vs $726K
- Cash flow turns positive
- year 18
The deal
- Price
- $310,000
- Cash to close
- $40,300
- Price per unit
- $155,000
- GRM
- 9.1
Each month
- Cash flow
- −$1,053/mo
- Cash-on-cash
- −31.3%
- Cap rate
- 3.8%
- DSCR
- 0.48×
Break-even
- Price that breaks even
- $149,295
- Rent that breaks even
- $4,386/mo
Long run
- Year 30: property vs stocks
- $709K vs $1.04M
- Cash flow turns positive
- year 28
The deal
- Price
- $320,000
- Cash to close
- $73,600
- Price per unit
- $160,000
- GRM
- 9.4
Each month
- Cash flow
- −$484/mo
- Cash-on-cash
- −7.9%
- Cap rate
- 4.6%
- DSCR
- 0.72×
Break-even
- Price that breaks even
- $229,036
- Rent that breaks even
- $3,479/mo
Long run
- Year 30: property vs stocks
- $842K vs $797K
- Cash flow turns positive
- year 15
The deal
- Price
- $320,000
- Cash to close
- $73,600
- Price per unit
- $160,000
- GRM
- 9.4
Each month
- Cash flow
- −$725/mo
- Cash-on-cash
- −11.8%
- Cap rate
- 3.7%
- DSCR
- 0.57×
Break-even
- Price that breaks even
- $183,735
- Rent that breaks even
- $3,908/mo
Long run
- Year 30: property vs stocks
- $742K vs $1.07M
- Cash flow turns positive
- year 24
The deal
- Price
- $310,000
- Cash to close
- $71,300
- Price per unit
- $155,000
- GRM
- 9.1
Each month
- Cash flow
- −$431/mo
- Cash-on-cash
- −7.3%
- Cap rate
- 4.7%
- DSCR
- 0.74×
Break-even
- Price that breaks even
- $229,036
- Rent that breaks even
- $3,410/mo
Long run
- Year 30: property vs stocks
- $839K vs $739K
- Cash flow turns positive
- year 13
The deal
- Price
- $310,000
- Cash to close
- $71,300
- Price per unit
- $155,000
- GRM
- 9.1
Each month
- Cash flow
- −$672/mo
- Cash-on-cash
- −11.3%
- Cap rate
- 3.8%
- DSCR
- 0.59×
Break-even
- Price that breaks even
- $183,735
- Rent that breaks even
- $3,831/mo
Long run
- Year 30: property vs stocks
- $725K vs $999K
- Cash flow turns positive
- year 23
The deal
- Price
- $320,000
- Cash to close
- $89,600
- Price per unit
- $160,000
- GRM
- 9.4
Each month
- Cash flow
- −$378/mo
- Cash-on-cash
- −5.1%
- Cap rate
- 4.6%
- DSCR
- 0.76×
Break-even
- Price that breaks even
- $244,305
- Rent that breaks even
- $3,341/mo
Long run
- Year 30: property vs stocks
- $885K vs $840K
- Cash flow turns positive
- year 12
The deal
- Price
- $320,000
- Cash to close
- $89,600
- Price per unit
- $160,000
- GRM
- 9.4
Each month
- Cash flow
- −$619/mo
- Cash-on-cash
- −8.3%
- Cap rate
- 3.7%
- DSCR
- 0.61×
Break-even
- Price that breaks even
- $195,984
- Rent that breaks even
- $3,753/mo
Long run
- Year 30: property vs stocks
- $755K vs $1.09M
- Cash flow turns positive
- year 22
The deal
- Price
- $310,000
- Cash to close
- $86,800
- Price per unit
- $155,000
- GRM
- 9.1
Each month
- Cash flow
- −$328/mo
- Cash-on-cash
- −4.5%
- Cap rate
- 4.7%
- DSCR
- 0.79×
Break-even
- Price that breaks even
- $244,305
- Rent that breaks even
- $3,276/mo
Long run
- Year 30: property vs stocks
- $885K vs $786K
- Cash flow turns positive
- year 11
The deal
- Price
- $310,000
- Cash to close
- $86,800
- Price per unit
- $155,000
- GRM
- 9.1
Each month
- Cash flow
- −$569/mo
- Cash-on-cash
- −7.9%
- Cap rate
- 3.8%
- DSCR
- 0.63×
Break-even
- Price that breaks even
- $195,984
- Rent that breaks even
- $3,680/mo
Long run
- Year 30: property vs stocks
- $740K vs $1.02M
- Cash flow turns positive
- year 20
Monthly
Monthly breakdown
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Net operating income | $1,219 |
| Mortgage (principal + interest) | −$1,916 |
| PMI | −$180 |
| Cash flow | −$877 |
| Principal paid down (equity, not cash) | $244 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Property management | −$241 |
| Net operating income | $978 |
| Mortgage (principal + interest) | −$1,916 |
| PMI | −$180 |
| Cash flow | −$1,118 |
| Principal paid down (equity, not cash) | $244 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Net operating income | $1,219 |
| Mortgage (principal + interest) | −$1,856 |
| PMI | −$174 |
| Cash flow | −$812 |
| Principal paid down (equity, not cash) | $236 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Property management | −$241 |
| Net operating income | $978 |
| Mortgage (principal + interest) | −$1,856 |
| PMI | −$174 |
| Cash flow | −$1,053 |
| Principal paid down (equity, not cash) | $236 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Net operating income | $1,219 |
| Mortgage (principal + interest) | −$1,703 |
| Cash flow | −$484 |
| Principal paid down (equity, not cash) | $217 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Property management | −$241 |
| Net operating income | $978 |
| Mortgage (principal + interest) | −$1,703 |
| Cash flow | −$725 |
| Principal paid down (equity, not cash) | $217 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Net operating income | $1,219 |
| Mortgage (principal + interest) | −$1,650 |
| Cash flow | −$431 |
| Principal paid down (equity, not cash) | $210 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Property management | −$241 |
| Net operating income | $978 |
| Mortgage (principal + interest) | −$1,650 |
| Cash flow | −$672 |
| Principal paid down (equity, not cash) | $210 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Net operating income | $1,219 |
| Mortgage (principal + interest) | −$1,597 |
| Cash flow | −$378 |
| Principal paid down (equity, not cash) | $203 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Property management | −$241 |
| Net operating income | $978 |
| Mortgage (principal + interest) | −$1,597 |
| Cash flow | −$619 |
| Principal paid down (equity, not cash) | $203 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Net operating income | $1,219 |
| Mortgage (principal + interest) | −$1,547 |
| Cash flow | −$328 |
| Principal paid down (equity, not cash) | $197 |
| Rent | $2,850 |
| Vacancy (6%) | −$171 |
| Collected | $2,679 |
| Property tax Public record | −$537 |
| Insurance Estimate | −$209 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$228 |
| Capital reserve (9% of rent) | −$256 |
| Property management | −$241 |
| Net operating income | $978 |
| Mortgage (principal + interest) | −$1,547 |
| Cash flow | −$569 |
| Principal paid down (equity, not cash) | $197 |
Cash flow each year
Rents +3%/yr (St. Paul's cap for sitting tenants), costs +3.5%/yr. Red bars are months you'd cover out of pocket.
30 years
How those totals add up
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $776,724 |
| Minus 6% selling cost | −$46,603 |
| Minus loan still owedTenants' rent paid down all $288,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$42,847 of profit by year 30, before investment growth | $54,542 |
| What you'd walk away with | $784,663 |
| If you put the same money in stocks | |
| Cash to close ($41,600) invested at 7% | $316,670 |
| Monthly shortfalls ($92,702 total by yr 30) investedThe money you'd have put into the building while it lost money | $475,802 |
| What you'd walk away with | $792,472 |
| Building minus stocks | −$7,809 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $776,724 |
| Minus 6% selling cost | −$46,603 |
| Minus loan still owedTenants' rent paid down all $288,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$502 of profit by year 30, before investment growth | $502 |
| What you'd walk away with | $730,623 |
| If you put the same money in stocks | |
| Cash to close ($41,600) invested at 7% | $316,670 |
| Monthly shortfalls ($188,008 total by yr 30) investedThe money you'd have put into the building while it lost money | $796,808 |
| What you'd walk away with | $1,113,478 |
| Building minus stocks | −$382,855 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $752,451 |
| Minus 6% selling cost | −$45,147 |
| Minus loan still owedTenants' rent paid down all $279,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$51,713 of profit by year 30, before investment growth | $67,945 |
| What you'd walk away with | $775,249 |
| If you put the same money in stocks | |
| Cash to close ($40,300) invested at 7% | $306,774 |
| Monthly shortfalls ($79,742 total by yr 30) investedThe money you'd have put into the building while it lost money | $419,591 |
| What you'd walk away with | $726,365 |
| Building minus stocks | $48,884 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $752,451 |
| Minus 6% selling cost | −$45,147 |
| Minus loan still owedTenants' rent paid down all $279,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$2,066 of profit by year 30, before investment growth | $2,138 |
| What you'd walk away with | $709,442 |
| If you put the same money in stocks | |
| Cash to close ($40,300) invested at 7% | $306,774 |
| Monthly shortfalls ($167,747 total by yr 30) investedThe money you'd have put into the building while it lost money | $728,830 |
| What you'd walk away with | $1,035,604 |
| Building minus stocks | −$326,162 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $776,724 |
| Minus 6% selling cost | −$46,603 |
| Minus loan still owedTenants' rent paid down all $256,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$78,532 of profit by year 30, before investment growth | $112,351 |
| What you'd walk away with | $842,472 |
| If you put the same money in stocks | |
| Cash to close ($73,600) invested at 7% | $560,262 |
| Monthly shortfalls ($43,104 total by yr 30) investedThe money you'd have put into the building while it lost money | $236,592 |
| What you'd walk away with | $796,854 |
| Building minus stocks | $45,618 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $776,724 |
| Minus 6% selling cost | −$46,603 |
| Minus loan still owedTenants' rent paid down all $256,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$10,519 of profit by year 30, before investment growth | $11,817 |
| What you'd walk away with | $741,938 |
| If you put the same money in stocks | |
| Cash to close ($73,600) invested at 7% | $560,262 |
| Monthly shortfalls ($112,742 total by yr 30) investedThe money you'd have put into the building while it lost money | $511,104 |
| What you'd walk away with | $1,071,366 |
| Building minus stocks | −$329,428 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $752,451 |
| Minus 6% selling cost | −$45,147 |
| Minus loan still owedTenants' rent paid down all $248,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$89,375 of profit by year 30, before investment growth | $132,018 |
| What you'd walk away with | $839,322 |
| If you put the same money in stocks | |
| Cash to close ($71,300) invested at 7% | $542,754 |
| Monthly shortfalls ($34,786 total by yr 30) investedThe money you'd have put into the building while it lost money | $195,928 |
| What you'd walk away with | $738,681 |
| Building minus stocks | $100,641 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $752,451 |
| Minus 6% selling cost | −$45,147 |
| Minus loan still owedTenants' rent paid down all $248,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$15,154 of profit by year 30, before investment growth | $17,609 |
| What you'd walk away with | $724,913 |
| If you put the same money in stocks | |
| Cash to close ($71,300) invested at 7% | $542,754 |
| Monthly shortfalls ($98,217 total by yr 30) investedThe money you'd have put into the building while it lost money | $456,564 |
| What you'd walk away with | $999,318 |
| Building minus stocks | −$274,405 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $776,724 |
| Minus 6% selling cost | −$46,603 |
| Minus loan still owedTenants' rent paid down all $240,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$101,073 of profit by year 30, before investment growth | $154,415 |
| What you'd walk away with | $884,535 |
| If you put the same money in stocks | |
| Cash to close ($89,600) invested at 7% | $682,058 |
| Monthly shortfalls ($27,324 total by yr 30) investedThe money you'd have put into the building while it lost money | $157,993 |
| What you'd walk away with | $840,051 |
| Building minus stocks | $44,484 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $776,724 |
| Minus 6% selling cost | −$46,603 |
| Minus loan still owedTenants' rent paid down all $240,000 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$20,603 of profit by year 30, before investment growth | $24,743 |
| What you'd walk away with | $754,864 |
| If you put the same money in stocks | |
| Cash to close ($89,600) invested at 7% | $682,058 |
| Monthly shortfalls ($84,505 total by yr 30) investedThe money you'd have put into the building while it lost money | $403,368 |
| What you'd walk away with | $1,085,426 |
| Building minus stocks | −$330,562 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $752,451 |
| Minus 6% selling cost | −$45,147 |
| Minus loan still owedTenants' rent paid down all $232,500 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$112,766 of profit by year 30, before investment growth | $177,941 |
| What you'd walk away with | $885,246 |
| If you put the same money in stocks | |
| Cash to close ($86,800) invested at 7% | $660,744 |
| Monthly shortfalls ($21,054 total by yr 30) investedThe money you'd have put into the building while it lost money | $124,959 |
| What you'd walk away with | $785,703 |
| Building minus stocks | $99,543 |
| Year 30 | |
|---|---|
| If you buy this building | |
| Sale priceValue grows 3% a year from the price | $752,451 |
| Minus 6% selling cost | −$45,147 |
| Minus loan still owedTenants' rent paid down all $232,500 of principal by year 30 | $0 |
| Plus rental profits, invested at 7%$26,511 of profit by year 30, before investment growth | $32,876 |
| What you'd walk away with | $740,180 |
| If you put the same money in stocks | |
| Cash to close ($86,800) invested at 7% | $660,744 |
| Monthly shortfalls ($72,450 total by yr 30) investedThe money you'd have put into the building while it lost money | $354,940 |
| What you'd walk away with | $1,015,684 |
| Building minus stocks | −$275,504 |
Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.
30 years: this property vs. the same money in stocks
Year 30 (loan paid off): property $785K, stocks $792K. Stocks win.
Year 30 (loan paid off): property $731K, stocks $1.11M. Stocks win.
Year 30 (loan paid off): property $775K, stocks $726K. The property wins.
Year 30 (loan paid off): property $709K, stocks $1.04M. Stocks win.
Year 30 (loan paid off): property $842K, stocks $797K. The property wins.
Year 30 (loan paid off): property $742K, stocks $1.07M. Stocks win.
Year 30 (loan paid off): property $839K, stocks $739K. The property wins.
Year 30 (loan paid off): property $725K, stocks $999K. Stocks win.
Year 30 (loan paid off): property $885K, stocks $840K. The property wins.
Year 30 (loan paid off): property $755K, stocks $1.09M. Stocks win.
Year 30 (loan paid off): property $885K, stocks $786K. The property wins.
Year 30 (loan paid off): property $740K, stocks $1.02M. Stocks win.
Comparable rentals
The closest rental listings with each unit's bedroom count, as of 2026-10-04. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.
2 bed estimate $1,425/mo · range $1,175–$1,500 · 8 rentals within 0.75 mi
| Address | Rent | Bd / Ba | Distance |
|---|---|---|---|
| 701 E 3rd St, Saint Paul | $1,099 | 2 / 1 | 0.1 mi |
| 283-289 Bates Ave, Saint Paul | $1,124 | 2 / 1 | 0.2 mi |
| 665 Bedford St Unit 2, Saint Paul | $1,400 | 2 / 1 | 0.4 mi |
| 207 N Maple St, Saint Paul | $1,150 | 2 / 1 | 0.5 mi |
| 685 Burr St, Saint Paul | $1,450 | 2 / 1 | 0.5 mi |
| 468 Beaumont St E Unit 4, Saint Paul | $1,350 | 2 / 1 | 0.5 mi |
| 948 Euclid St Unit 1, Saint Paul | $1,400 | 2 / 1 | 0.6 mi |
| 650 Aguirre St, Saint Paul | $1,719 | 2 / 2 | 0.7 mi |
On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. Rents are asking rents from listings; check them against the actual leases.
Red flags and opportunities
Watch for
- low$812 in special assessments on the payable 2026 tax bill (often street, sewer or code-enforcement charges). Ask what they're for, whether they continue, and whether the seller pays them off at closing. Public record: Ramsey County parcel 322922130081: special assessments (payable 2026) = $811.88
Opportunities
None found.
Questions for the agent
- Can we see the current leases and a rent roll, with move-in dates?
- What did water/sewer/trash, heat and electric cost the owner over the last 12 months?
- How old are the roof, boiler or furnaces, water heaters and electrical panels?
- Is the building licensed as a rental for this many units, and when was the last city inspection?
- Any special assessments pending, and will the seller pay them off at closing?
Standard questions worth asking about any building.
What the records say
Where each number comes from
| Property tax / yr Public recordRamsey County record, payable 2026 (non-homestead) | $6,442 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,504 |
| Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid | $170 |
| Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent | $0 |
| Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal | $60 |
| Repairs / capital reserve Rulerule. built 1884: +1 pt capital reserve | 8% / 9% |
Status history
- New at $320,000
County record Public record
| Recorded as | two family dwelling - up/dwn |
| Living units | 2 |
| Year built | 1884 |
| Market value (2026) | $303,800 |
| Property tax, payable 2026 | $6,442 |
| Special assessments | $812 |
| Homestead | no |
| Last sale | 2023-04-17 · $290,000 |
Source: Ramsey County parcel records.
City rental certificate (CofO)
Residential 2 Units: 2 unit(s), A, status pending, renews 2028-06-30.
Nearest highway
I 94;US 10, about 253 m away.
Crime in Dayton's Bluff
971 incidents in the last 12 months (52 per 1,000 residents), −6% vs. the year before. St. Paul police incidents, excluding proactive visits and community events.