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$249,900

($53,798 down)
FHA

861 Carroll Avenue, Saint Paul, MN 55104

3
1
1,528 sqft
PITI Monthly
$1,827.35 /mo

Listing courtesy of: , RE/MAX Advantage Plus

Assumed Rate

6.11%
7.15%

Principal & Interest

$1,228 /mo
$1,368 /mo

What's Special

SHOPPING
DINING
SPACIOUS
HARDWOOD FLOORS
FINISHED BASEMENT
HOME OFFICE
FENCED YARD
CHARMING
COZY

Charming and spacious, this one-level home on a large corner lot offers a perfect blend of character, comfort, and convenience. Step inside to find warm hardwood floors flowing throughout the main level, central air for year-round comfort, and a cozy front porch that welcomes you home. The layout is ideal for everyday living and entertaining, featuring a bright and inviting living room, and a formal dining room perfect for gatherings. Enjoy outdoor living in the fully fenced yard situated on an extra-wide lot—plenty of room for gardening, play, or entertaining around the fire pit. The finished basement provides even more versatile space, with a large family room, a comfortable bedroom with an egress window, and additional storage options. Whether you're looking for extra living space, a home office, or a guest area, the lower level offers flexibility to suit your needs. Located just blocks from the Victoria light rail line and within walking distance to the vibrant Shelby and Grand Avenue corridors, this home puts shopping, dining, and transit right at your fingertips. Don’t miss this rare opportunity to enjoy a beautifully maintained home in a well-connected neighborhood full of charm and convenience!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.11
Remaining Loan Term
27 years, 6 months
Monthly PITI
$1,827.35/mo
Estimated Loan Balance
$196,331
Cash to close
$53,798
Interest Paid
$30,470

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 1
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air
Features
  • Materials: Shake Siding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Shake Siding
  • Roof: Unknown
Condition
  • Year Built: 1922
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Stone & Rogers Addition, To St
  • Features: None
HOA
  • Has HOA: No
Location
  • Region: Saint Paul

Financial Details

  • Price per Sqft: $163.55
  • Tax Annual Amount: $3667
  • On Market Date: 2025-04-22T00:00:00.000Z
Inquire about this property

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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 $53,798 (22%)
You can enter any amount below - secondary financing will cover the difference if needed.
22%
$

You cover the entire equity of $53,798!

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

Loan Breakdown

Assumed Mortgage6.11% Sellers Rate
$196,102
Your Cash$53,798
Total Purchase Price:$249,900

Assumed vs Traditional Mortgage

Assumed @ 6.11%
$1,228/mo
Traditional @ 7.15%
$1,419/mo
You save $190/month ($2,283/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6705793

Listing From: northstar

Last updated: 2025-04-28T14:58:03.000Z

© , 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

6.11%
7.15%

Principal & Interest

$1,228 /mo
$1,368 /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 $53,798 (22%)
You can enter any amount below - secondary financing will cover the difference if needed.
22%
$

You cover the entire equity of $53,798!

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

Loan Breakdown

Assumed Mortgage6.11% Sellers Rate
$196,102
Your Cash$53,798
Total Purchase Price:$249,900

Assumed vs Traditional Mortgage

Assumed @ 6.11%
$1,228/mo
Traditional @ 7.15%
$1,419/mo
You save $190/month ($2,283/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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