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686 Virginia Street, Saint Paul, MN 55103

$628,000

6-web-or-mls-005_DSC05782 virtually staged.jpeg

Property Type: Multi-Family Bedrooms: 10 Baths: 4 Square Footage: 8,122 Lot Size (sq. ft.): 5,625 Status: Active

Current Price: $628,000 List Date: 5/16/2026 Last Modified: 6/26/2026

Overview

Description

Large brick fourplex in St Pauls North End neighborhood featuring spacious multi-level units with strong long-term rental appeal. Situated on a fenced corner lot with large shared yard space and front and rear porches for tenant enjoyment. Conveniently located near the State Capitol, Interstate 94, downtown St Paul, public transportation, and University Avenue shopping and dining. Utilities are currently partially owner-paid, with ownership implementing a RUBS utility reimbursement program across the portfolio beginning Q3 2026, creating additional NOI upside potential through utility cost recovery and operational efficiencies.

Listing Details MLS# 7074746

General Property Information

Lot Measurement: Square Feet
Multiple PIDs?: No
Owner Occupied: No
Waterfront YN: No
Year Built: 1900
Yearly/Seasonal: Yearly
Zoning: Residential-Multi-Family
Main Floor Total SqFt: 2142
Above Ground SqFt: 5980
Below Grd Total SqFt: 2142
Total SqFt: 8122
Foundation Size: 2142
Lot Size SqFt: 5625
Style: (MF) Four Plex
Total Finished Sqft: 8032.00
Lot Dimensions: 45 x 125
Assessment Pending: Yes
Garage Stalls: 0

Property Features

Accessible: Doors 36"+ Assumable Loan: Not Assumable Basement: Concrete Block; Egress Windows; Full; Storage Space Construction Materials: Block; Concrete; Frame Construction Status: Previously Owned Electric: Circuit Breakers Exterior: Brick/Stone; Wood Fencing: Partial Foundation: Brick/Mortar; Combination; Concrete Block Fuel: Electric; Natural Gas Heating: Forced Air Internet Options: Cable; Fiber Optic Laundry: Gas Dryer Hookup; In Basement; Laundry Room; Washer Hookup Lot Description: Corner Lot; Public Transit (w/in 6 blks); Tree Coverage - Light Owner Pays: Electricity; Gas; Insurance; Lawn; Maintenance/Repair; See Remarks; Trash Collection; Water Parking Characteristics: Gravel Lot; Unassigned Rental License Type: Standard Road Frontage: City Street; Curbs; Paved Streets; Sidewalks Road Responsibility: Public Maintained Road Roof: Age Over 8 Years; Asphalt Shingles; Pitched Sellers Terms: Cash; Conventional Sewer: City Sewer/Connected Tenant Pays: Electricity; Fuel; Gas; See Remarks Topography: High Ground Unit 1 Appliances: Range; Refrigerator Unit 1 Bath Description: Main Floor Full Bath Unit 1 Cooling: None Unit 1 Dining Room Description: Breakfast Area; Eat In Kitchen; Informal Dining Room; Living/Dining Room Unit 1 Family Room Characteristics: Family Room Unit 2 Amenities: Skylight Unit 2 Appliances: Range; Refrigerator Unit 2 Cooling: None Unit 2 Dining Room Description: Breakfast Area; Eat In Kitchen; Informal Dining Room; Living/Dining Room Unit 2 Family Room Characteristics: Family Room Unit 3 Amenities: Skylight Unit 3 Appliances: Range; Refrigerator Unit 3 Bath Description: Main Floor Full Bath Unit 3 Cooling: None Unit 3 Dining Room Description: Eat In Kitchen; Informal Dining Room; Living/Dining Room Unit 3 Family Room Characteristics: Family Room Unit 4 Amenities: Washer/Dryer Hookup Unit 4 Appliances: Furnace Humidifier; Range; Refrigerator Unit 4 Bath Description: Main Floor Full Bath Unit 4 Cooling: None Unit 4 Dining Room Description: Eat In Kitchen; Informal Dining Room; Living/Dining Room Water: City Water/Connected

Contract Information

Contingency: None
Original List Price: 669750
ListPrice: 628000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 686
Street Name: Virginia
Street Suffix: Street
Postal City: Saint Paul
County: Ramsey
State: MN
Zip Code: 55103
Complex/Dev/Subdivision: Humphreys Add To, Saint P

Assessments

Assessment Balance: 2339
Tax With Assessments: 13172

Basement

Foundation Dimensions: 42 x 51
Concrete Block: Yes
Egress Windows: Yes
Full: Yes
Storage Space: Yes

More Information

Building Information

Finished SqFt Above Ground: 5890
Finished SqFt Below Ground: 2142

Income and Expenses

Annual Gross Income: 74784
Annual Caretaker Expense: 0
Annual Electric Expense: 0
Annual Fuel Expense: 0
Annual Gross Expenses: 0
Annual Insurance Expense: 0
Annual Maintenance Expense: 0
Annual Repair Expense: 0
Annual Trash Expense: 0
Annual Water/Sewer Expense: 0
Total Annual Expenses: 0

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

DP Resource: Yes
Homestead: No

Ownership

Fractional Ownership: No

Public Survey Info

Range#: 23
Section#: 36
Township#: 29

Unit 1

Furnished?: No
Leased?: Yes
Unit Number: Yes
Annual Rent: 18588
Finished SqFt: 1600
Full Baths: Yes
Monthly Rent: 1549
No. of Units Like This: Yes
Total Baths: Yes
Total Bedrooms: 3
Total Rooms: 7

Unit 2

Furnished?: No
Leased?: Yes
Level: Multi-Level
Unit Number: 2
Annual Rent: 18540
Finished SqFt: 1600
Full Baths: Yes
Monthly Rent: 1545
No. of Units Like This: Yes
Oth Parking Spaces: 3
Total Baths: Yes
Total Bedrooms: Yes
Total Rooms: 3

Unit 3

Furnished?: No
Leased?: Yes
Level: Multi-Level
Unit Number: 3
Annual Rent: 19140
Finished SqFt: 1600
Full Baths: Yes
Monthly Rent: 1595
No. of Units Like This: Yes
Total Baths: Yes
Total Bedrooms: 3
Total Rooms: 7

Unit 4

Furnished?: No
Leased?: Yes
Level: Multi-Level
Unit Number: 4
Annual Rent: 18516
Finished SqFt: 1600
Full Baths: Yes
Monthly Rent: 1543
No. of Units Like This: Yes
Total Baths: Yes
Total Bedrooms: 3
Total Rooms: 4

Unit Details

Total Units: 4

Office/Member Info

Association: MAAR

Location, Tax and Other Information

Legal Description: HUMPHREYS ADDITION TO SAINT P LOT 11 BLK 4
Listing City: Saint Paul
Map Page: 108
Municipality: Saint Paul
School District: St. Paul
School District Phone: 651-767-8100
Zip Plus 4: 2659
Property ID Number: 362923120050
Tax Year: 2026
Tax Amount: 10833
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Large brick fourplex in St Pauls North End neighborhood featuring spacious multi-level units with strong long-term rental appeal. Situated on a fenced corner lot with large shared yard space and front and rear porches for tenant enjoyment. Conveniently located near the State Capitol, Interstate 94, downtown St Paul, public transportation, and University Avenue shopping and dining. Utilities are currently partially owner-paid, with ownership implementing a RUBS utility reimbursement program across the portfolio beginning Q3 2026, creating additional NOI upside potential through utility cost recovery and operational efficiencies.
Directions: In St. Paul

Accessible

Doors 36"+: Yes

Assumable Loan

Not Assumable: Yes

Construction Materials

Block: Yes
Concrete: Yes
Frame: Yes

Construction Status

Previously Owned: Yes

Electric

Circuit Breakers: Yes

Exterior

Brick/Stone: Yes
Wood: Yes

Fencing

Partial: Yes

Foundation

Brick/Mortar: Yes
Combination: Yes
Concrete Block: Yes

Fuel

Electric: Yes
Natural Gas: Yes

Heating

Forced Air: Yes

Internet Options

Cable: Yes
Fiber Optic: Yes

Laundry

Gas Dryer Hookup: Yes
In Basement: Yes
Laundry Room: Yes
Washer Hookup: Yes

Lot Description

Corner Lot: Yes
Public Transit (w/in 6 blks): Yes
Tree Coverage - Light: Yes

Owner Pays

Electricity: Yes
Gas: Yes
Insurance: Yes
Lawn: Yes
Maintenance/Repair: Yes
See Remarks: Yes
Trash Collection: Yes
Water: Yes

Parking Characteristics

Gravel Lot: Yes
Unassigned: Yes

Patio, Porch and Deck Features

Deck: Yes
Front Porch: Yes
Rear Porch: Yes

Rental License Type

Standard: Yes

Road Frontage

City Street: Yes
Curbs: Yes
Paved Streets: Yes
Sidewalks: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age Over 8 Years: Yes
Asphalt Shingles: Yes
Pitched: Yes

Sellers Terms

Cash: Yes
Conventional: Yes

Sewer

City Sewer/Connected: Yes

Topography

High Ground: Yes

Water

City Water/Connected: Yes

No. of Ranges

One Per Unit: Yes

No. of Refrigerators

One Per Unit: Yes

Tenant Pays

Electricity: Yes
Fuel: Yes
Gas: Yes
See Remarks: Yes

Unit 1 Appliances

Range: Yes
Refrigerator: Yes

Unit 1 Bath Description

Main Floor Full Bath: Yes

Unit 1 Cooling

None: Yes

Unit 1 Dining Room Description

Breakfast Area: Yes
Eat In Kitchen: Yes
Informal Dining Room: Yes
Living/Dining Room: Yes

Unit 1 Family Room Characteristics

Family Room: Yes

Unit 2 Amenities

Skylight: Yes

Unit 2 Appliances

Range: Yes
Refrigerator: Yes

Unit 2 Cooling

None: Yes

Unit 2 Dining Room Description

Breakfast Area: Yes
Eat In Kitchen: Yes
Informal Dining Room: Yes
Living/Dining Room: Yes

Unit 2 Family Room Characteristics

Family Room: Yes

Unit 3 Amenities

Skylight: Yes

Unit 3 Appliances

Range: Yes
Refrigerator: Yes

Unit 3 Bath Description

Main Floor Full Bath: Yes

Unit 3 Cooling

None: Yes

Unit 3 Dining Room Description

Eat In Kitchen: Yes
Informal Dining Room: Yes
Living/Dining Room: Yes

Unit 3 Family Room Characteristics

Family Room: Yes

Unit 4 Amenities

Washer/Dryer Hookup: Yes

Unit 4 Appliances

Furnace Humidifier: Yes
Range: Yes
Refrigerator: Yes

Unit 4 Bath Description

Main Floor Full Bath: Yes

Unit 4 Cooling

None: Yes

Unit 4 Dining Room Description

Eat In Kitchen: Yes
Informal Dining Room: Yes
Living/Dining Room: Yes

Listing Office: Gold Group Realty, LLC

Last Updated: June - 26 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.