Dan Kaercher

Dan Kaercher

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Active

$485,000

($233,191 down)
VA

165 Cretin Avenue N, Saint Paul, MN 55104

4
3
2,630 sqft
PITI Monthly
$2,359.07 /mo

Listing courtesy of: , Real Broker, LLC

Assumed Rate

3.53%
7.15%

Principal & Interest

$1,572 /mo
$2,355 /mo

What's Special

LOCATION
SPACIOUS
MODERN
FIREPLACE
VAULTED CEILINGS
HISTORIC

A Versatile Gem in an Unbeatable Location Steps from the Mississippi River, scenic trails, and the University of St. Thomas, this home blends historic character with modern versatility. It’s perfect as a family home or investment, with a separate side entrance making the basement easy to rent in a high-demand area. The owners have also had success renting it on Airbnb in the past. Inside, original hardwoods, a wood-burning fireplace, a sunroom, and a screened porch bring tons of natural light. The spacious primary suite features vaulted ceilings, and three bedrooms upstairs provide nice separation between living and hosting space. One of the only homes on Cretin Ave with a driveway and garage that are accessible from quiet Selby Ave, it offers a neighborhood feel with quick commutes to both downtowns. Don't miss the opportunity to take advantage of a community membership at UST, where you can walk to their fitness facilities/fields/track), coffee shop, bowling alley, and more.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.53
Remaining Loan Term
18 years, 1 months
Monthly PITI
$2,359.07/mo
Estimated Loan Balance
$258,369
Cash to close
$233,191
Interest Paid
$127,865

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Wall Unit(s)
  • Heating: Hot Water
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Living Room, Wood Burning
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Asphalt, Flat, Pitched
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
  • Stucco
  • Roof: Asphalt, Flat, Pitched
Condition
  • Year Built: 1913
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $184.41
  • Tax Annual Amount: $7450
  • On Market Date: 2025-03-14T00:00:00.000Z
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 $233,191 (48%)
You can enter any amount below - secondary financing will cover the difference if needed.
48%
$

You cover the entire equity of $233,191!

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

Loan Breakdown

Assumed Mortgage3.53% Sellers Rate
$251,809
Your Cash$233,191
Total Purchase Price:$485,000

Assumed vs Traditional Mortgage

Assumed @ 3.53%
$1,572/mo
Traditional @ 7.5%
$2,443/mo
You save $871/month ($10,455/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6682448

Listing From: northstar

Last updated: 2025-04-01T15:08:03.000Z

© , 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

3.53%
7.15%

Principal & Interest

$1,572 /mo
$2,355 /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 $233,191 (48%)
You can enter any amount below - secondary financing will cover the difference if needed.
48%
$

You cover the entire equity of $233,191!

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

Loan Breakdown

Assumed Mortgage3.53% Sellers Rate
$251,809
Your Cash$233,191
Total Purchase Price:$485,000

Assumed vs Traditional Mortgage

Assumed @ 3.53%
$1,572/mo
Traditional @ 7.5%
$2,443/mo
You save $871/month ($10,455/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Your Home Sold Guaranteed Realty
Agent/Broker
Dan KaercherYour Home Sold Guaranteed Realty(480) 202-1789Dankaercher@state48livin.comMLS SA677983000

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