103 Homes under $400,000

Welcome to the charming neighborhood of 103 in Ramsey County, Minnesota, where the warmth of community meets the excitement of suburban living! Nestled in the heart of the Twin Cities metro area, this vibrant community offers a delightful blend of convenience, comfort, and charm, making it the perfect place to call home.

One of the standout features of the 103 neighborhood is its accessibility to a plethora of amenities. Residents enjoy proximity to lush parks, scenic walking trails, and a variety of recreational facilities, perfect for families and outdoor enthusiasts alike. The area is also well-served by local shops, cozy cafes, and restaurants, ensuring that everything you need is just a stone's throw away.

For those seeking affordable housing options, the 103 neighborhood is a gem! With homes available for under $400,000, buyers can find a range of charming properties that fit their budget without compromising on quality. From quaint single-family homes to modern townhouses, there’s something for everyone. Many of these homes boast inviting yards, spacious interiors, and a welcoming atmosphere that truly encapsulates the essence of suburban living.

Families will appreciate the strong sense of community and excellent school districts that serve the area, fostering a nurturing environment for children to thrive. The diverse community is known for its friendly neighbors and active engagement in local events, making it easy to feel right at home.

Discover the perfect blend of affordability and community spirit in the 103 neighborhood—your dream home awaits!

Newest 103 Homes under $400,000

$389,000

5 Beds ⋅ 3 Baths ⋅ 7131546 MLS

This 1889-built duplex in St. Paul’s sought-after West 7th neighborhood, offers immediate income from day one with multiple ways to increase its earning potential. The vacant 3-bedroom, 1-bath lower unit is freshly updated with new flooring, paint, lighting and ceiling fans, ready for an owner-occupant or new tenant. Upstairs, an existing tenant is leased at $1,900/month through June 2027, helping offset your mortgage from day one. Here’s where it gets interesting. The upper level includes a 1-bedroom/1-bath + loft AND a separate studio with its own entrance and ¾ bath. After the lease ends, explore converting the studio into a conforming third unit by adding a kitchenette, plumbing, separate utilities and obtaining required City approvals. Prefer to rent the entire property? The lower unit has an estimated market rent of approximately $2,100/month, creating potential for roughly $4,000/month in combined gross rent in its current duplex configuration. Each unit has its own washer/dryer, and major improvements including the roof, water heater, sump pump and appliances. An oversized 24x19 detached 2-car garage with tall ceilings, a small office and additional storage potential adds even more flexibility. Located in West 7th with convenient access to downtown St. Paul, Xcel Energy Center, United Hospital, MSP Airport, Mississippi River recreation, dining and entertainment. House hack it. Rent both units. Explore a third unit. Maximize the garage. One property. Multiple ways to create income. Schedule your showing and see the possibilities for yourself.

787 Watson Avenue, Saint Paul

Listing courtesy of JPW Realty.

$150,000

3 Beds ⋅ 2 Baths ⋅ 7018986 MLS

Bring your renovation plans to this West Seventh two-story home! All 3 bedrooms and 2 full bathrooms are above ground. Enjoy a large main-level bedroom, full bathroom, laundry, and mudroom, plus a spacious eat-in kitchen with room to gather. Upstairs offers two bedrooms and a second full bathroom. Central A/C, a 1-car garage, plenty of off-street parking, and a partially fenced yard add everyday convenience. Nearby favorites include DeGidio’s, Claddagh Coffee, and Bad Weather Brewing. Sold as-is with cosmetic repairs, fairly minor window work, and a foundation repair needed in one small section. Repair estimate available. An opportunity for a cash buyer or buyer using suitable renovation financing to build equity through improvements.

376 Erie Street, Saint Paul

Listing courtesy of Keller Williams Realty Integrity Lakes.

$314,900

3 Beds ⋅ 1 Baths ⋅ 7152661 MLS

Nestled in the heart of Saint Paul's vibrant West Seventh neighborhood, this charming three bedroom home blends historic character with thoughtful modern updates. The standout feature is the beautifully renovated 2023 kitchen showcasing new quartz countertops, updated appliances, expanded cabinetry, freshly painted cabinets, updated hardware and a spacious butcher block topped center island that serves as the heart of the home. The main level offers generous living, dining and entertaining spaces filled with natural light, while all three upper level bedrooms feature the rare convenience of walk-in closets. Additional highlights include central air conditioning, an oversized two-car garage, a spacious deck with brand new boards and railings, a clawfoot tub and shower and a curated pollinator garden. Located across the street from a park with tennis courts, a library and recreation center just minutes from local restaurants, parks, trails and downtown St. Paul, this move-in-ready home an exceptional combination of character, functionality and location. Please see supplement on Seller's Discloser Statement for a list of improvements.

539 Saint Clair Avenue, Saint Paul

Listing courtesy of William R Thompson Real Estate.

$314,900

3 Beds ⋅ 2 Baths ⋅ 7153626 MLS

This classic Three-Bedroom, Two Bath two-story gem is a truly delightful blend of character and comfort! The covered front porch is the perfect place to welcome your guests. Step inside to find beautiful hardwood floors, rich natural woodwork, and lovely leaded glass windows. The foyer features a coat closet and double doors leading to the front parlour. The parlour can function as a sitting room or formal living room to suit the changing needs of your household. Note the large front window with leaded glass accents and a breezy ceiling fan. The handsome living room is accented with a bay window with leaded glass to bathe the space in natural light. A breezy ceiling fan will move the air on warm summer days, and natural woodwork and hardwood floors creates an environment of warmth and grace. The spacious, well-designed kitchen will become the heart of your home, offering abundant cabinetry, expanses of sensible workspace, and easy-care care laminate flooring. A large pantry provides additional storage for your kitchen staples! A genuine “country” kitchen, there is a large dining area with a wall of windows to let in the sunshine! The main level bedroom has neutral carpet, two sunny windows, and a walk-in closet. This flexible space would be ideal as a home office or study. There is a full bath with vanity nearby. The laundry room with a utility sink is a real step-saver! The upper level can be accessed by two separate staircases, and boasts two well-proportioned bedrooms, each with soft-on-your-feet carpet, walk-in closets and windows with tree-top views.The bedrooms share a full bath with a large vanity. The backyard is an outdoor paradise! Fully-fenced for privacy, there is a large deck and an expansive patio for your grill and lawn furniture. Entertain family and friends in style with garden parties or summer barbecues in this stunning setting. Relax and read a good book on mild fall days, or sip your morning coffee surrounded by the gorgeous gardens. There is a garage for your car and garden tools, with extra off-street parking in the driveway. Great location is an understatement! Close to shopping, dining and services, and an easy commute to either downtown or to the International Airport. Move right in and enjoy!

420 Daly Street, Saint Paul

Listing courtesy of Coldwell Banker Realty.

$399,000

6 Beds ⋅ 2 Baths ⋅ 7151160 MLS

Turnkey, fully vacant upper/lower duplex steps from the Mississippi National River & Recreation Area! Perfect for an investor looking for immediate market rents or an owner-occupant wanting to house-hack. Both expansive units feature 3 spacious bedrooms, 1 full bathroom, and have been freshly repainted in a crisp, neutral palette. Each unit boasts a modernized kitchen equipped with brand-new stainless steel ranges and refrigerators, plus dedicated in-unit washer/dryer hookups for maximum tenant convenience. The full, unfinished basement provides massive storage capabilities for both units and easy mechanical access. Situated in a highly desirable location with instant access to scenic river trails, parks, and outdoor recreation. Separate utilities. Move-in ready and incredibly easy to lease. —schedule your tour today!

275 Western Avenue S, Saint Paul

Listing courtesy of RE/MAX RESULTS.

$385,000

2 Beds ⋅ 3 Baths ⋅ 7119850 MLS

Enjoy easy living in this nicely updated townhome in a convenient West 7th location! Bright and inviting throughout, this spacious home features two bedrooms, three bathrooms, and a two-car attached garage with plenty of room for additional storage. The open concept centers around a gorgeous kitchen flooded with natural light, abundant counter and storage space and high end appliances for those that really like to cook. A comfortable living room with a gas fireplace, and a covered front porch that extends the living space round out the main level that has been thoughtfully updated with wood built-in's. Upstairs, both bedrooms offer great space, with the primary bedroom featuring a walk-in closet and ensuite bath. The lower level offers unfinished space with potential for future flex or living space, while the attached garage allows for convenient access and amazing storage. Enjoy a private community park with beautiful gardens, mature trees, and walking paths, while being just minutes from West 7th restaurants, breweries, shops, parks, and hiking trails. Convenient access to downtown St. Paul, MSP Airport, and beyond makes this a great place to call home.

406 Duke Street, Saint Paul

Listing courtesy of Coldwell Banker Realty.

$273,000

3 Beds ⋅ 1 Baths ⋅ 7148827 MLS

Welcome to the wonderful West 7th Community! Parks, shopping, and entertainment, all within reasonable distance. Back yard is fenced, offering plenty of shade from the large trees. 2 bdrms main floor along with laundry and bathroom. Over sized 2 car garage, provides plenty of room for additional storage. With a new roof and water heater, and newer mechanicals, there's no worrying about big ticket items with this home. A short commute to downtown, entertainment, dining and shopping, quick and easy access to 35, really a lot to love about this home and location

878 Monroe Court, Saint Paul

Listing courtesy of Homes Plus Realty.

$329,900

3 Beds ⋅ 1 Baths ⋅ 7148238 MLS

Welcome home to The Zen West End Bungalow! A beautiful thoughtfully remodeled home nestled on a double corner lot. As one of only ten homes on a quiet residential loop, this home is a rare find in a great location! Brand new kitchen with quartz countertops, stainless steel appliances, tile backsplash, and open to the living and dining space, perfect for entertaining and family time. Spacious living room with natural light flowing in. Two bedrooms on the main level plus an expansive 400 sq ft private primary bedroom loft on the upper level! Featuring double closets including a large built-in 10 foot walk-in closet. Cozy enclosed front porch with wood slat ceilings, diamond checkered design flooring, and wrap-around sunlit windows creates a peaceful haven to enjoy the sunsets, perennials, and greenery surrounding the home. Plant your own flowers, herbs, or veggies in the built-in Acacia wood window planter. Stylish finishes highlight this impressive home from the light fixtures, tile, custom bathroom vanity, rainfall shower head, brand new penny tile flooring and sage shower tile. Brand new deep soaking bathtub finishes off the fully remodeled bathroom for a spa-like experience right at home. All new updates completed in 2026 including: fixtures, luxury vinyl floors, carpet, paneled doors, brand new ac wall unit with remote, newer vinyl windows plus peace of mind with a newer Weil-McLain boiler (2015), roof (2014), steel garage door (2017), LiftMaster remote opener (2019), and Lindus leaf guard gutters with lifetime warranty (2020). Outside, you have your spacious partially fenced-in private yard surrounded by a tree lined street and patio at the back of the home making it the perfect opportunity for creating your dream backyard oasis! Just steps away from parks and biking trails right outside your front door as well as Palace Recreation Center, a vibrant neighborhood entertainment hub just across the street. Enjoy the playgrounds, renovated gym and fitness center, outdoor athletic fields, rentable party rooms, and picnic areas with over 6 acres of green space all within walking distance. Take a scenic walk to start your mornings at the High Bridge or relaxing evening sunsets at Harriet Island just minutes away with picturesque skyline views and gorgeous views of the autumn colors along the river. The home also comes with an oversized two car garage and long driveway, a fantastic amenity to own in the city. Clean unfinished basement with great equity building potential to add a 4th bedroom plus a second family room! This is a fantastic opportunity to own a home that provides the privacy of being surrounded by nature while being in the heart of historic West Seventh just minutes away from downtown, restaurants, bars, breweries, shops, and easy highway access. This home is a one of a kind gem you don't want to miss!

346 Vance Street, Saint Paul

Listing courtesy of Keller Williams Realty Integrity Lakes.

$299,500

1 Beds ⋅ 1 Baths ⋅ 7147848 MLS

Enjoy the freedom of single-level, lock-and-go living in one of Saint Paul's most desirable riverfront communities. Located in the highly sought-after Upper Landing neighborhood, this spacious 920-square-foot condo offers a secure, low-maintenance lifestyle with affordable association dues, all just steps from the Mississippi River. Perfect for downsizers, empty nesters, busy professionals, or first-time buyers, this well-maintained third-floor unit combines urban convenience with easy everyday living. Spend your mornings walking along the riverfront trails, meet friends for dinner on West Seventh, catch a Wild game downtown, or simply enjoy the peace of coming home to a quiet riverfront community just outside the heart of downtown Saint Paul. Inside, the open floor plan is filled with natural light and features stainless steel appliances, in-unit laundry, a private balcony where grills are permitted, and a generous walk-in closet. Large windows overlooking the bluffs fill the home with warm afternoon sunshine, while premium Hunter Douglas window treatments installed in 2025 provide comfort, privacy, and style throughout. The bedroom features Hunter Douglas blackout shades, creating a relaxing retreat at the end of the day. A truly unique feature of this home is the electric fireplace, making it the only one-bedroom unit in the building with this sought-after amenity. The pet-friendly association welcomes both dogs and cats. The unit includes one heated ground-level parking stall, offering convenient access without navigating a basement garage. An additional parking stall is currently leased through January 2027, and the new owner will have the option to renew that lease if desired. Enjoy immediate access to the Mississippi River Trail and walkability to Grand Casino Arena, downtown Saint Paul, West Seventh restaurants, breweries, coffee shops, entertainment, and neighborhood events. Convenient access to both I-94 East and West makes commuting throughout the Twin Cities simple. Whether you're looking to simplify from a larger home, embrace a lock-and-go lifestyle, build equity instead of renting, or enjoy the convenience of a walkable riverfront neighborhood, this condo delivers exceptional value, comfort, and location in one of Saint Paul's most desirable communities.

284 Spring Street Unit 311, Saint Paul

Listing courtesy of eXp Realty.

$175,000

2 Beds ⋅ 1 Baths ⋅ 7121710 MLS

Nice, quiet building with great management, tucked away up a hill off Shepard Road. This condo is close to everything: downtown, Lowertown, Shepard Road, and all forms of transit if you want to venture out! The recently renovated unit features new flooring, fresh paint, and elegant French doors in the second bedroom, which can open up to serve as a seamless extension of the living and dining room. Enjoy the open floor plan, convenient in-unit laundry, and a great private deck overlooking a peaceful wooded area in the back. Extra convenience comes easy with a dedicated storage locker located right on the same floor down the hallway, as well as private, secure parking in a heated basement garage. You don't want to miss this one!

1111 Elway Street Unit 203, Saint Paul

Listing courtesy of eXp Realty.

$349,900

2 Beds ⋅ 2 Baths ⋅ 7142433 MLS

Fall in love with this charming 2-bedroom, 2-bath home tucked into a quiet, well-established Saint Paul neighborhood! Enjoy the convenience of being just 6–7 minutes from the airport and Mall of America while still feeling tucked away from the hustle and bustle. The inviting living room features a cozy fireplace, plus there’s a welcoming front porch and back deck perfect for relaxing and enjoying the outdoors. A convenient location, comfortable layout, and plenty of charm make this one worth a look!

966 Eleanor Avenue, Saint Paul

Listing courtesy of Keller Williams Premier Realty.

$285,000

2 Beds ⋅ 2 Baths ⋅ 7142561 MLS

Welcome to this charming 2-bedroom, 2-bath home in Saint Paul’s sought-after West 7th neighborhood. Inside, you’ll find beautiful hardwood floors, original natural woodwork, stainless steel appliances, and abundant natural light throughout. Charming front and back porches add to the home’s character, while the huge fenced backyard offers plenty of room to garden, entertain, or just relax and enjoy he outdoors. The oversized 2-car garage features an unfinished upper level, providing excellent storage or potential future finished space. Additional highlights include a 4-year-old roof and forced-air heating with the ability to easily add central AC. All of this in a walkable neighborhood close to shops, restaurants, and breweries.

524 Harrison Avenue, Saint Paul

Listing courtesy of Pemberton RE.

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