Listed at
$189,999
$147/sqft

Irvines Add Of Outlots

520 Fred Street, Saint Paul, MN, 55130
2  Bedrooms1  Bathroom1,292  Square Feet0.106  Acres
Days on market73
Year built1889
ParkingAsphalt
TypeResidential
Est. $2,700buyer credit when you buy with SODL
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About this home

Beautifully maintained and thoughtfully updated, this Payne-Phalen home is ready for its next chapter. Updated flooring brings a fresh, modern feel throughout, while the functional layout offers comfortable everyday living. Step outside to enjoy the private backyard-perfect for relaxing, gardening, or entertaining friends and family. Conveniently located near parks, local restaurants, shopping, and easy access to downtown Saint Paul.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1889
LevelsOne and One Half
Living area1,292 sqft
Above-grade finished1,292 sqft
Below-grade finished0 sqft
Lot size0.106 acres (40x113)
Days on market73
ListedJul 17, 2026
MLS #NST7105418
CountyRamsey
SubdivisionIrvines Add Of Outlots
Parcel #322922210126

Facts & features

Interior

Bedrooms
2
Bathrooms
1
Bath breakdown
1 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
One and One Half
Parking features
Asphalt
Patio & porch
Patio
Exterior features
Other
Pool
None
Fencing
Full, Privacy

Construction

Property type
Residential
Property subtype
Single Family
Foundation
None · 789 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1889

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision
Irvines Add Of Outlots
HOA
No HOA
School district
625 - St. Paul
High school district
St. Paul

Financial & listing details

Annual tax
$2,944.3 (2026)
Tax with assessments
3918
Listed
Jul 17, 2026
Days on market
73
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths0
3/4 baths1
Half baths0
1/4 baths0
BasementFull
HeatingForced Air
CoolingCentral Air
LaundryIn Unit
AppliancesDryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Washer
DiningSeparate/Formal Dining Room
AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Center Island, Kitchen Window, Natural Woodwork, Patio, Satellite Dish, Security System, Tile Floors, Washer/Dryer Hookup
AccessibilityNone

Exterior & lot

ExteriorOther
RoofAge Over 8 Years, Asphalt
FoundationNone
Foundation area789 sqft
Patio/porchPatio
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAsphalt
Garage spaces0
Garage size0 sqft

Financial details

Annual taxes$2,944.3
Tax year2026
Taxes w/ assessments3918
Assessment pendingUnknown
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District625 - St. Paul
District number625
District phone6517678100
High schoolSt. Paul
SODL flat fee brokerage
$2,700Estimated buyer credit
SODL platform fee $3,000Your buyer credit $2,700

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,307/mo
Principal & interest$999
Property taxes$245
Home insurance (est.)$63
%
$38,000
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

520 Fred Street, Saint Paul, MN, 55130

Listing information

MLS #NST7105418
StatusActive
Last updatedSep 25, 2026, 2:58 PM
Originally listedJul 17, 2026, 8:17 AM
Listing officeRE/MAX Results
Co-listing officeRE/MAX Results

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. 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.