NOT LISTED FOR SALE

322 Cottage Ave E Saint Paul, MN 55130

Payne-Phalen Neighborhood

Estimated Value: $279,000 - $293,000

6 Beds
2 Baths
2,484 Sq Ft
$115/Sq Ft Est. Value

Sale Details

Date Sold: November 24, 2025

Last sale price $279,900 $113 Per Sq Ft

Est. 2% increase in value since last sale

Current estimated payment $1,947 / mo

105 Days on Market

About This Home

As of November 2025

Discover this beautifully remodeled duplex on a spacious double lot in a serene Saint Paul neighborhood, with easy access to I-35! Each of the two 3-bedroom units boasts separate entrances and driveways, creating an ideal setup for house hackers or savvy investors. Effortlessly achieve the 1% rule with strong rental potential, making this property a standout opportunity for cash flow and long-term value!

Last Agent to Sell the Property

Jordan Moorhead

Keller Williams Integrity Realty Listed on: 07/14/2025

Keller Williams Integrity Realty

Co-Listed By

Marina Aguirre-Anthony

Real Broker, LLC

Last Buyer's Agent

Estefania Borns

Real Broker, LLC

Real Broker, LLC

Property Details

Home Type

  • Multi-Family

Est. Annual Taxes

  • $5,456

Year Built

  • Built in 1956

Lot Details

  • Lot Dimensions are 80x108
  • Few Trees

Home Design

  • Duplex
  • Vinyl Siding

Interior Spaces

  • 2,484 Sq Ft Home
  • 1-Story Property
  • Natural lighting in basement

Bedrooms and Bathrooms

  • 6 Bedrooms
  • 2 Bathrooms

Utilities

  • Baseboard Heating

Community Details

  • 2 Units

Listing and Financial Details

  • Tenant pays for electricity
  • The owner pays for insurance
  • Assessor Parcel Number 192922410012

Property Details

Home Type

Multi-Family

Est. Annual Taxes

$5,456

Year Built

Built in 1956

Lot Details

8,712 Sq Ft Lot

Listing Details

  • Type: Residential Income
  • Property Subtype 1: Duplex Other
  • Accessibility Features: None
  • Water Source: City Water/Connected
  • Year Built: 1956
  • Above Grade Finished Sq Ft: 2484
  • Unit Levels: One
  • New Construction: No
  • FractionalOwnershipYN: No
  • Rental License?: No
  • Special Features: None
  • Property Sub Type: MultiFamily

Interior Features

  • Basement: Daylight/Lookout Windows
  • Living Area: 2484
  • Owner Pays: Insurance
  • Basement YN: Yes
  • Appliances: Range
  • Appliances: Range

Beds/Baths

  • Total Bedrooms: 6

Exterior Features

  • Roof: Age Over 8 Years
  • Neighborhood: Payne-Phalen

Garage/Parking

  • Parking Features: Asphalt
  • Other Parking Spaces: 4
  • Other Parking Spaces: 4

Utilities

  • Heating: Baseboard
  • Sewer: City Sewer/Connected
  • Fuel: Electric
  • Number of Ranges: Two

Schools

  • Junior High Dist: St. Paul
  • SchoolDistrictPhone: 651-767-8100

Lot Info

  • Lot Size: 80x108
  • Land Lease: No
  • Lot Features: Some Trees
  • Additional Parcels: No
  • Zoning Description: Residential-Multi-Family
  • AssessmentPending: Yes
  • Yearly/Seasonal: Yearly

Building Info

  • Construction Materials: Vinyl Siding
  • Units Total: 2

Rental Info

  • Expenses: 0.0000

Tax Info

  • Tax Year: 2025
  • Assessor Parcel Number: 192922410012
  • Tax Annual Amount: 5456
  • TaxWithAssessments: 6014.0000

Multi Family

  • TenantPays: Electricity
  • Number Of Refrigerators: Two

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 14, 2025
Closed on
Nov 24, 2025
Sold by
Bought by
Seller's Agent
Jordan Moorhead
Keller Williams Integrity Realty
Buyer's Agent
Estefania Borns
Real Broker, LLC
List Price
$299,900
Sold Price
$279,900
Premium/Discount to List
-$20,000
-6.67%
Views
80
Current Estimated Value
$285,279

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$5,379
Avg. Annual Appreciation
3.80%
Original Mortgage
$264,448
Outstanding Balance
$264,448
Interest Rate
6.27%
Mortgage Type
FHA
Estimated Equity
$20,831

Purchase Details

Closed on
Sep 18, 2018
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$146,250
Interest Rate
4.5%
Mortgage Type
New Conventional

Purchase Details

Closed on
Aug 24, 2012
Sold by
Bought by

Purchase Details

Closed on
Nov 3, 2009
Sold by
Bought by
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$279,900 Land Title
$195,000 Minnesota Title
$100,000 --
$102,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $264,448
Previous Owner $146,250
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
11/24/2025 11/24/25 Sold $279,900 0.0% $113 / Sq Ft
10/30/2025 10/30/25 Pending -- -- --
09/10/2025 09/10/25 Price Changed $279,900 -3.4% $113 / Sq Ft
08/07/2025 08/07/25 Price Changed $289,900 -3.3% $117 / Sq Ft
07/17/2025 07/17/25 For Sale $299,900 -- $121 / Sq Ft
Source: NorthstarMLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $5,194 $286,500 $25,000 $261,500
2023 $5,194 $257,400 $20,000 $237,400
2022 $4,670 $240,300 $20,000 $220,300
2021 $3,980 $220,900 $20,000 $200,900
2020 $3,910 $192,500 $16,300 $176,200
2019 $3,088 $175,000 $16,300 $158,700
2018 $2,768 $142,600 $16,300 $126,300
2017 $2,652 $129,600 $16,300 $113,300
2016 $2,472 $0 $0 $0
2015 $2,376 $116,900 $16,300 $100,600
2014 $2,494 $0 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • J

    Seller's Agent in 2025

    Jordan Moorhead

    Keller Williams Integrity Realty

    Section Image
  • Marina Aguirre-Anthony

    Seller Co-Listing Agent in 2025

    Marina Aguirre-Anthony

    Real Broker, LLC

    (612) 207-1815

    1 in this area

    80 Total Sales

    Marina Aguirre-Anthony
    Section Image
  • Estefania Borns

    Buyer's Agent in 2025

    Estefania Borns

    Real Broker, LLC

    (612) 817-6994

    1 in this area

    70 Total Sales

    Estefania Borns
    Section Image
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Map

Source: NorthstarMLS

MLS Number: 6754479

NorthstarMLS

APN: 19-29-22-41-0012

Minnesota Ramsey County Saint Paul 55130 Payne-Phalen

322 Cottage Ave E, Saint Paul, MN

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

NorthstarMLS All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Listings courtesy of NorthstarMLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID

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