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Closed

$299,900

($211,743 down)
FHA

371 Emma Street, Saint Paul, MN 55102

4
1
1,494 sqft
PITI Monthly
$1,062.24 /mo

Listing courtesy of: , RE/MAX Results

Assumed Rate

3%
7.15%

Principal & Interest

$538 /mo
$862 /mo

What's Special

LOCATION
FRESH PAINT
MINUTES AWAY
HARDWOOD FLOORS
FIREPLACE
COZY

Welcome to this beautifully updated home in the West 7th neighborhood, tucked away on a quiet street just one mile from downtown St. Paul! With nearly every room refreshed since 2022, this home combines comfort, character, and convenience in one perfect package. Inside, you’ll find new hardwood floors throughout, fresh paint, updated trim and molding, new front and back exterior doors, and new ceiling fans. The stylish, updated kitchen features quartz countertops and new soft-close cabinets, ideal for everything from everyday meals to weekend entertaining. The bathroom has been updated with a new subfloor, flooring, vanity, and mirror, and the 4th bedroom has new carpeting. , The wood-burning fireplace adds cozy charm. Additional upgrades include a new washing machine and an Electric Vehicle 220 outlet in the garage, and the garage was repainted this spring. The boiler was replaced in 2018. The High Bridge dog park, hiking/biking trails, and the Mississippi River are just a short walk away. The West 7th Neighborhood location is a foodie’s dream: enjoy top-notch eats and drinks at 620 Club (a hidden gem), Pajarito (incredible margaritas), and Mancini’s (classic supper club vibes). Breweries, cafes, and shops are all within walking distance! Commuting is a breeze with MSP Airport just 15 minutes away and quick access to downtown attractions like the Xcel Energy Center, the Science Museum, and the Ordway. There’s also the potential to add a half-bath off the main floor bedroom—plumbing is ideally located for an easy install, and an additional working commode is located near the laundry in the basement. The side entrance vestibule near the kitchen could be transformed into a walk-in pantry, adding even more convenience. This is a must-see property!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3
Remaining Loan Term
17 years, 7 months
Monthly PITI
$1,062.24/mo
Estimated Loan Balance
$172,482
Cash to close
$211,743
Interest Paid
$40,697

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 1
Cooling & Heating
  • Cooling: Window Unit(s)
  • Heating: Baseboard, Boiler, Hot Water, Radiator(s)
Features
  • Materials: Metal Siding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Living Room, Wood Burning
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Partial
Roof
  • Roof: Asphalt
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer - In Street
  • Water Source: City Water - In Street
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Metal Siding
  • Roof: Asphalt
Condition
  • Year Built: 1890
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Drakes Add
  • Features: None
HOA
  • Has HOA: No
Location
  • Region: Saint Paul

Financial Details

  • Price per Sqft: $200.74
  • Tax Annual Amount: $3404
  • On Market Date: 2025-04-10T00:00:00.000Z
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $211,743 (71%)
You can enter any amount below - secondary financing will cover the difference if needed.
71%
$

You cover the entire equity of $211,743!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3% Sellers Rate
$88,157
Your Cash:$211,743
Total Purchase Price:$299,900

Assumed vs Traditional Mortgage

Assumed @ 3%
$538/mo
Traditional @ 7.15%
$894/mo
You save $356/month ($4,273/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6698398

Listing From: northstar

Last updated: 2025-04-12T19:33:03.000Z

© , northstar. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

3%
7.15%

Principal & Interest

$538 /mo
$862 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $211,743 (71%)
You can enter any amount below - secondary financing will cover the difference if needed.
71%
$

You cover the entire equity of $211,743!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3% Sellers Rate
$88,157
Your Cash:$211,743
Total Purchase Price:$299,900

Assumed vs Traditional Mortgage

Assumed @ 3%
$538/mo
Traditional @ 7.15%
$894/mo
You save $356/month ($4,273/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Exit Realty
Agent/Broker
Jeff KlemmerExit Realty(651) 600-7997assumptions@exitspringside.comMLS #40195899

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than Exit Realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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