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Single Family ResidenceResidential
$311,303$185 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

4540 GRACE ST

SAINT PAUL, MN 55110
3
Beds
1
Baths
1,686 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.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$311K
$300K low$322K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,644 (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.$242,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$121,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$121,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$225,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$242,500

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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Bungalow
CountyRAMSEY
Lot (acres)The size of the land the home sits on, from county records.0.39
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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

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

E
Birch Lake Elementary SchoolC
Elementary · Grades PK–5 · 0.4 mi
H
White Bear Lake Area High SchoolC+
High · Grades 9–12 · 1.3 mi
M
Mariner Middle SchoolC+
Middle · Grades 6–8 · 2.3 mi

District: White Bear Lake Area School District

Neighborhood · ZIP 55110These 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.75
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
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.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
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.40,494
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,341 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,656
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119,277
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%

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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

4540 Grace 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 78% of homes in Saint Paul 55110
  • Costs less per square foot than 95% of homes in Saint Paul 55110
  • Bigger than 80% of homes in White Bear Lake
  • Has a bigger lot than 82% of homes in Ramsey County
  • Older than 88% of homes in White Bear Lake

What homes are worth in Saint Paul 55110

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

This home
$196K$1.3M

This home is worth more than 22% of homes in Saint Paul 55110.

How it measures up in Saint Paul 55110

The dot is this home. The mark in the middle is the typical home in Saint Paul 55110.

Estimated value$311,303
CheaperTypical $369,048Pricier

Pricier than 22% of homes nearby

Price per ft²$185
CheaperTypical $293Pricier

Pricier than 5% of homes nearby

Living area1,686 ft²
SmallerTypical 1,266 ft²Bigger

Bigger than 74% of homes nearby

Lot size0.39 ac
SmallerTypical 0.3 acBigger

Bigger than 68% of homes nearby

Year built1948
OlderTypical 1972Newer

Newer than 13% of homes nearby

How 4540 Grace St ranks against every home in each area.
MeasureThis homeWhite Bear LakeSaint Paul 55110Ramsey County
Estimated valuepricier than$311,30323% of homes22% of homes49% of homes
Price per ft²pricier than$1856% of homes5% of homes19% of homes
Living areabigger than1,686 ft²80% of homes74% of homes77% of homes
Lot sizebigger than0.39 ac74% of homes68% of homes82% of homes
Year builtnewer than194812% of homes13% of homes36% of homes

About 4540 Grace St

How much is 4540 Grace St, Saint Paul, MN worth?

The TopHap Estimate for 4540 Grace St, Saint Paul, MN is $311,303 as of Oct 21, 2026. The likely range is $300,423 to $322,183. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4540 Grace St, Saint Paul, MN last sell?

4540 Grace St, Saint Paul, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4540 Grace St, Saint Paul, MN?

4540 Grace St, Saint Paul, MN has 3 bedrooms, 1 bathrooms, 1,686 square feet of living space and a 0.39-acre lot.

When was 4540 Grace St, Saint Paul, MN built?

4540 Grace St, Saint Paul, MN was built in 1948, making it 78 years old. It is a bungalow home. The building has 1 story.

What schools serve 4540 Grace St, Saint Paul, MN?

4540 Grace St, Saint Paul, MN is assigned to Birch Lake Elementary School (elementary), rated C; White Bear Lake Area High School (high), rated C+; Mariner Middle School (middle), rated C+. All sit in White Bear Lake Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4540 Grace St, Saint Paul, MN compare to other homes in Saint Paul 55110?

Among the 13,873 homes in Saint Paul 55110, it is worth more than 22% of them ($311,303 against a typical $369,048), its price per square foot is higher than 5% of them ($185 against a typical $293), it is bigger than 74% of them (1,686 ft² against a typical 1,266 ft²), its lot is bigger than 68% of them (0.39 ac against a typical 0.3 ac) and it is newer than 13% of them (1948 against a typical 1972). Measured against all of Ramsey County, it is worth more than 49% 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 4540 Grace St, Saint Paul, MN?

The 2025 property tax bill for 4540 Grace St, Saint Paul, MN was $2,644. The county assessed it at $242,500.

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