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Single Family ResidenceResidential
$243,185$162 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $191,636 on Sep 26, 2016

3540 RICE ST

SAINT PAUL, MN 55126
5
Beds
2
Baths
1,498 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.43 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$243K
$227K low$259K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$191,636 · Sep 26, 2016
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$78,185
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$62,548
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.66%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$165,000
UNION YES FCU · recorded Apr 25, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,250 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$407,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$94,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$313,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$423,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$407,900

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.109 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyRAMSEY
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1985
Lot (acres)The size of the land the home sits on, from county records.0.43
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 160 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Vadnais Heights Elementary SchoolA-
Elementary · Grades PK–5 · 1.8 mi
M
Mariner Middle School
Middle · Grades 6–8 · 4.8 mi
H
White Bear Lake Area High School
High · Grades 9–12 · 5.5 mi

District: White Bear Lake Area School District

Neighborhood · ZIP 55126These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.50
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.29,172
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,618 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$110,449
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$139,755
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3540 Rice St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 73% of homes in Saint Paul 55126
  • Costs less per square foot than 85% of homes in Saint Paul 55126
  • Bigger than 68% of homes in Ramsey County
  • Has a bigger lot than 87% of homes in Ramsey County
  • Older than 93% of homes in Vadnais Heights

What homes are worth in Saint Paul 55126

Each bar is how many homes fall in that price range. The marker is this home.

This home
$102K$802K

This home is worth more than 27% of homes in Saint Paul 55126.

How it measures up in Saint Paul 55126

The dot is this home. The mark in the middle is the typical home in Saint Paul 55126.

Estimated value$243,185
CheaperTypical $305,827Pricier

Pricier than 27% of homes nearby

Price per ft²$162
CheaperTypical $224Pricier

Pricier than 15% of homes nearby

Living area1,498 ft²
SmallerTypical 1,286 ft²Bigger

Bigger than 66% of homes nearby

Lot size0.43 ac
SmallerTypical 0.3 acBigger

Bigger than 74% of homes nearby

Year built1956
OlderTypical 1981Newer

Newer than 12% of homes nearby

How 3540 Rice St ranks against every home in each area.
MeasureThis homeVadnais HeightsSaint Paul 55126Ramsey County
Estimated valuepricier than$243,18539% of homes27% of homes50% of homes
Price per ft²pricier than$16226% of homes15% of homes28% of homes
Living areabigger than1,498 ft²65% of homes66% of homes68% of homes
Lot sizebigger than0.43 ac72% of homes74% of homes87% of homes
Year builtnewer than19567% of homes12% of homes50% of homes

About 3540 Rice St

How much is 3540 Rice St, Saint Paul, MN worth?

The TopHap Estimate for 3540 Rice St, Saint Paul, MN is $243,185 as of Jul 14, 2026. The likely range is $227,337 to $259,033. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3540 Rice St, Saint Paul, MN last sell?

3540 Rice St, Saint Paul, MN last sold on Sep 26, 2016 for $191,636, according to the county's recorded deed.

How big is 3540 Rice St, Saint Paul, MN?

3540 Rice St, Saint Paul, MN has 5 bedrooms, 2 bathrooms, 1,498 square feet of living space and a 0.43-acre lot.

When was 3540 Rice St, Saint Paul, MN built?

3540 Rice St, Saint Paul, MN was built in 1956, making it 70 years old. It is a ranch home. The building has 1 story.

What schools serve 3540 Rice St, Saint Paul, MN?

3540 Rice St, Saint Paul, MN is assigned to Vadnais Heights Elementary School (elementary), rated A-; Mariner Middle School (middle); White Bear Lake Area High School (high). All sit in White Bear Lake Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3540 Rice St, Saint Paul, MN compare to other homes in Saint Paul 55126?

Among the 10,076 homes in Saint Paul 55126, it is worth more than 27% of them ($243,185 against a typical $305,827), its price per square foot is higher than 15% of them ($162 against a typical $224), it is bigger than 66% of them (1,498 ft² against a typical 1,286 ft²), its lot is bigger than 74% of them (0.43 ac against a typical 0.3 ac) and it is newer than 12% of them (1956 against a typical 1981). Measured against all of Ramsey County, it is worth more than 50% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3540 Rice St, Saint Paul, MN?

The 2025 property tax bill for 3540 Rice St, Saint Paul, MN was $5,250. The county assessed it at $407,900.

Closest homes

More homes in Saint Paul 55126

Assigned schools

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