# 539 Payne Avenue, Saint Paul, MN 55130

> **TL;DR:** commercial, $349,900, built 1932.
> A/C. Est. $1,871/mo. Listed 80 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $349,900 |
| Year Built | 1932 |
| Property Type | Commercial (Apartment) |
| Status | Active Under Contract |
| Days on Market | 80 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,769 |
| Estimated Insurance | $102 |
| **Total** | **$1,871** |

## Key Amenities

- A/C

## Property Highlights

- Built in 1932

## Description

### Agent Description
Great Owner-Occupant Opportunity! Two units are currently vacant, while the salon remains leased on a month-to-month basis, providing immediate flexibility for an owner-user or investor. Operate your business from the property while living in the upstairs space, offering the convenience of combining your work and living arrangements in one location. The basement also provides additional space with potential for expansion, storage, or future build-out. A versatile property with multiple possibilities for an owner-occupant or investor.

## Location

- **Address:** 539 Payne Avenue, Saint Paul, MN 55130
- **County:** Ramsey
- **Coordinates:** 44.95772889, -93.07860911
- **Google Maps:** https://www.google.com/maps?q=44.95772889,-93.07860911

## Listing Agent

- **Name:** James E. Yacoub
- **Brokerage:** NorthStar Real Estate Associates
- **Broker Phone:** (651) 451-2850

## Photos

![539 Payne Avenue - Photo 1](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2407434930r.jpg)

![539 Payne Avenue - Photo 2](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2760761412r.jpg)

![539 Payne Avenue - Photo 3](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f3179245322r.jpg)

![539 Payne Avenue - Photo 4](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1286587460r.jpg)

![539 Payne Avenue - Photo 5](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f4027623681r.jpg)

![539 Payne Avenue - Photo 6](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2058997476r.jpg)

![539 Payne Avenue - Photo 7](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f603847223r.jpg)

![539 Payne Avenue - Photo 8](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2235834728r.jpg)

![539 Payne Avenue - Photo 9](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2497992501r.jpg)

![539 Payne Avenue - Photo 10](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2102397746r.jpg)

![539 Payne Avenue - Photo 11](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f337577667r.jpg)

![539 Payne Avenue - Photo 12](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2810524847r.jpg)

![539 Payne Avenue - Photo 13](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f73409749r.jpg)

![539 Payne Avenue - Photo 14](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f174996033r.jpg)

![539 Payne Avenue - Photo 15](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f3565531675r.jpg)

![539 Payne Avenue - Photo 16](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1923752521r.jpg)

![539 Payne Avenue - Photo 17](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2482707104r.jpg)

![539 Payne Avenue - Photo 18](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f200588157r.jpg)

![539 Payne Avenue - Photo 19](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1084021765r.jpg)

![539 Payne Avenue - Photo 20](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1784187715r.jpg)

![539 Payne Avenue - Photo 21](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1889170711r.jpg)

![539 Payne Avenue - Photo 22](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1114261720r.jpg)

![539 Payne Avenue - Photo 23](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f1077729930r.jpg)

![539 Payne Avenue - Photo 24](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f411925860r.jpg)

![539 Payne Avenue - Photo 25](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2272436233r.jpg)

![539 Payne Avenue - Photo 26](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f4269605803r.jpg)

![539 Payne Avenue - Photo 27](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f3459111389r.jpg)

![539 Payne Avenue - Photo 28](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f3690607942r.jpg)

![539 Payne Avenue - Photo 29](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f3961558194r.jpg)

![539 Payne Avenue - Photo 30](http://lh.rdcpix.com/61797ad8544f269ff0ee3cd34c587462l-f2784638672r.jpg)

---

**MLS#:** 7127600 | **Updated:** 2026-10-29
**Source:** listhub

*Copyright © 2026 Northstar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/539-payne-avenue-saint-paul-mn-55130-8a64fe951e6f4413907e88b0b40d24f6)

---

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