1381 Easter Ln

58 photos

Photos, via Realtor.com.

Asking price: $599,900
Monthly cash flow: −$549
Estimated rent: $4,550/mo
Break-even price: $496,782

Adjust the numbers See the full breakdown

From the listing

Side by side duplex at 1381 Easter Lane in Eagan (units 1379 and 1381) in Rosemount-Apple Valley-Eagan schools (District 196). Seven bedrooms and four baths across roughly 2,924 finished square feet, about 2,113 above grade and 811 below. Built in 1974 with a two stall attached garage, one stall per unit. One side has four bedrooms and the other three. Recent updates include new carpet, fresh interior paint, exterior paint, a remodeled kitchen, brand new kitchen appliances in 1381, appliances about three years old in 1379, new HVAC in 1379, a new furnace in 1381, and newer garage doors. One living room opens under vaulted wood plank ceilings with exposed beams and a floor to ceiling stone fireplace. Both kitchens have white cabinetry and wood look flooring. Finished lower level with patio access. A large fully fenced backyard and rear patios complete the outdoor space. Two tone wood exterior with cream trim and mature trees.

Description from Realtor.com, MLS #7150902. Believed reliable but not guaranteed; confirm with the listing agent. View on Realtor.com ↗

The numbers

Edit rents, costs and assumptions

Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).

The deal

Price: $599,900
Cash to close: $137,977
Price per unit: $299,950
GRM: 11.0

Each month

Cash flow: −$549/mo
Cash-on-cash: −4.8%
Cap rate: 5.3%
DSCR: 0.83×

Break-even

Price that breaks even: $496,782
Rent that breaks even: $5,254/mo

Long run

Year 30: property vs stocks: $1.94M vs $1.22M
Cash flow turns positive: year 8

Monthly

Monthly breakdown

Rent	$4,550
Vacancy (6%)	−$273
Collected	$4,277
Property tax Listing	−$464
Insurance Estimate	−$211
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (8% of rent)	−$364
Capital reserve (8% of rent)	−$364
Net operating income	$2,644
Mortgage (principal + interest)	−$3,193
Cash flow	−$549
Principal paid down (equity, not cash)	$406

Cash flow each year

Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.

30 years

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,456,115
Minus 6% selling cost	−$87,367
Minus loan still owedTenants' rent paid down all $539,910 of principal by year 30	$0
Plus rental profits, invested at 7%$243,844 of profit by year 30, before investment growth	$367,197
What you'd walk away with	$1,735,944
If you put the same money in stocks
Cash to close ($77,987) invested at 7%	$593,657
Monthly shortfalls ($87,603 total by yr 30) investedThe money you'd have put into the building while it lost money	$513,750
What you'd walk away with	$1,107,407
Building minus stocks	$628,537

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,456,115
Minus 6% selling cost	−$87,367
Minus loan still owedTenants' rent paid down all $539,910 of principal by year 30	$0
Plus rental profits, invested at 7%$105,747 of profit by year 30, before investment growth	$137,689
What you'd walk away with	$1,506,437
If you put the same money in stocks
Cash to close ($77,987) invested at 7%	$593,657
Monthly shortfalls ($169,264 total by yr 30) investedThe money you'd have put into the building while it lost money	$883,000
What you'd walk away with	$1,476,657
Building minus stocks	$29,780

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,431,842
Minus 6% selling cost	−$85,911
Minus loan still owedTenants' rent paid down all $530,910 of principal by year 30	$0
Plus rental profits, invested at 7%$257,490 of profit by year 30, before investment growth	$394,032
What you'd walk away with	$1,739,964
If you put the same money in stocks
Cash to close ($76,687) invested at 7%	$583,761
Monthly shortfalls ($79,423 total by yr 30) investedThe money you'd have put into the building while it lost money	$470,973
What you'd walk away with	$1,054,734
Building minus stocks	$685,230

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,431,842
Minus 6% selling cost	−$85,911
Minus loan still owedTenants' rent paid down all $530,910 of principal by year 30	$0
Plus rental profits, invested at 7%$115,088 of profit by year 30, before investment growth	$152,161
What you'd walk away with	$1,498,092
If you put the same money in stocks
Cash to close ($76,687) invested at 7%	$583,761
Monthly shortfalls ($156,779 total by yr 30) investedThe money you'd have put into the building while it lost money	$827,859
What you'd walk away with	$1,411,620
Building minus stocks	$86,472

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,456,115
Minus 6% selling cost	−$87,367
Minus loan still owedTenants' rent paid down all $479,920 of principal by year 30	$0
Plus rental profits, invested at 7%$342,473 of profit by year 30, before investment growth	$575,338
What you'd walk away with	$1,944,086
If you put the same money in stocks
Cash to close ($137,977) invested at 7%	$1,050,316
Monthly shortfalls ($26,353 total by yr 30) investedThe money you'd have put into the building while it lost money	$165,074
What you'd walk away with	$1,215,390
Building minus stocks	$728,696

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,456,115
Minus 6% selling cost	−$87,367
Minus loan still owedTenants' rent paid down all $479,920 of principal by year 30	$0
Plus rental profits, invested at 7%$176,439 of profit by year 30, before investment growth	$255,700
What you'd walk away with	$1,624,447
If you put the same money in stocks
Cash to close ($137,977) invested at 7%	$1,050,316
Monthly shortfalls ($80,077 total by yr 30) investedThe money you'd have put into the building while it lost money	$444,193
What you'd walk away with	$1,494,509
Building minus stocks	$129,938

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,431,842
Minus 6% selling cost	−$85,911
Minus loan still owedTenants' rent paid down all $471,920 of principal by year 30	$0
Plus rental profits, invested at 7%$357,163 of profit by year 30, before investment growth	$609,467
What you'd walk away with	$1,955,399
If you put the same money in stocks
Cash to close ($135,677) invested at 7%	$1,032,808
Monthly shortfalls ($21,882 total by yr 30) investedThe money you'd have put into the building while it lost money	$138,871
What you'd walk away with	$1,171,679
Building minus stocks	$783,720

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,431,842
Minus 6% selling cost	−$85,911
Minus loan still owedTenants' rent paid down all $471,920 of principal by year 30	$0
Plus rental profits, invested at 7%$187,346 of profit by year 30, before investment growth	$275,553
What you'd walk away with	$1,621,485
If you put the same money in stocks
Cash to close ($135,677) invested at 7%	$1,032,808
Monthly shortfalls ($71,824 total by yr 30) investedThe money you'd have put into the building while it lost money	$403,715
What you'd walk away with	$1,436,523
Building minus stocks	$184,962

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,456,115
Minus 6% selling cost	−$87,367
Minus loan still owedTenants' rent paid down all $449,925 of principal by year 30	$0
Plus rental profits, invested at 7%$399,688 of profit by year 30, before investment growth	$713,616
What you'd walk away with	$2,082,364
If you put the same money in stocks
Cash to close ($167,972) invested at 7%	$1,278,646
Monthly shortfalls ($11,727 total by yr 30) investedThe money you'd have put into the building while it lost money	$77,147
What you'd walk away with	$1,355,793
Building minus stocks	$726,571

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,456,115
Minus 6% selling cost	−$87,367
Minus loan still owedTenants' rent paid down all $449,925 of principal by year 30	$0
Plus rental profits, invested at 7%$219,738 of profit by year 30, before investment growth	$337,904
What you'd walk away with	$1,706,652
If you put the same money in stocks
Cash to close ($167,972) invested at 7%	$1,278,646
Monthly shortfalls ($51,536 total by yr 30) investedThe money you'd have put into the building while it lost money	$300,193
What you'd walk away with	$1,578,839
Building minus stocks	$127,813

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,431,842
Minus 6% selling cost	−$85,911
Minus loan still owedTenants' rent paid down all $442,425 of principal by year 30	$0
Plus rental profits, invested at 7%$414,808 of profit by year 30, before investment growth	$752,305
What you'd walk away with	$2,098,237
If you put the same money in stocks
Cash to close ($165,172) invested at 7%	$1,257,331
Monthly shortfalls ($8,884 total by yr 30) investedThe money you'd have put into the building while it lost money	$59,276
What you'd walk away with	$1,316,608
Building minus stocks	$781,629

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,431,842
Minus 6% selling cost	−$85,911
Minus loan still owedTenants' rent paid down all $442,425 of principal by year 30	$0
Plus rental profits, invested at 7%$231,502 of profit by year 30, before investment growth	$361,687
What you'd walk away with	$1,707,619
If you put the same money in stocks
Cash to close ($165,172) invested at 7%	$1,257,331
Monthly shortfalls ($45,337 total by yr 30) investedThe money you'd have put into the building while it lost money	$267,416
What you'd walk away with	$1,524,747
Building minus stocks	$182,872

Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.

30 years: this property vs. the same money in stocks

This propertyStocks at 7%

Year 30 (loan paid off): property $1.94M, stocks $1.22M. The property wins.

Comparable rentals

The closest rental listings with each unit's bedroom count, as of 2026-10-04. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.

4 bed estimate $2,275/mo · range $1,850–$2,650 · 12 rentals within 10 mi

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
8201 College Trl, Inver Grove Heights	$2,199	4 / 1.5	1,173	6.0 mi	2025-01-03	Apartment
16160 Kendale Dr, Lakeville	$4,500	4 / 2.5	2,674	8.5 mi	2026-04-17	Apartment
2078 Saint Clair Ave # 2, Saint Paul	$2,295	4 / 1	—	9.2 mi	2026-07-16	Apartment
2078 Saint Clair Ave # 1, Saint Paul	$2,400	4 / 1	—	9.2 mi	2022-04-26	Apartment
1517 Fairmount Ave, Saint Paul	$2,400	4 / 1	—	9.3 mi	2026-09-23	Apartment
1554 Grand Ave, Saint Paul	$740	4 / 2	1,500	9.5 mi	2025-12-31	Apartment
1722 Grand Ave S, Saint Paul	$2,850	4 / 2	900	9.5 mi	2024-04-15	Apartment
2044 Grand Ave, Saint Paul	$895	4 / 2	1,500	9.6 mi	2025-12-31	Apartment
1769 Grand Ave, Saint Paul	$2,695	4 / 2	1,923	9.6 mi	2026-07-25	Apartment
865-67 Snelling Ave N, Saint Paul	$2,100	4 / 2	—	9.8 mi	2026-09-29	Apartment

3 bed estimate $2,275/mo · range $2,025–$2,550 · 10 rentals within 2.75 mi

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
3601 Crossroad Ct, Eagan	$2,895	3 / 1.5	1,340	1.7 mi	2026-07-31	Apartment
1130 Town Centre Dr, Eagan	$2,095	3 / 2	1,300	2.1 mi	2026-01-02	Apartment
3800 Ballantrae Rd, Saint Paul	$2,245	3 / 1.5	1,411	2.2 mi	2024-04-26	Apartment
3475 Golfview Dr, Eagan	$2,400	3 / 2	1,540	2.3 mi	2024-04-12	Apartment
3825 Cedar Grove Pkwy, Eagan	$2,717	3 / 2	1,568	2.4 mi	2024-04-12	Apartment
1160 Northwood Dr, Eagan	$2,410	3 / 2.5	1,595	2.5 mi	2025-04-10	Apartment
1364 High Site Dr, Eagan	$2,470	3 / 1.5	1,295	2.6 mi	2026-02-19	Apartment
3255 Coachman Rd, Eagan	$2,095	3 / 2	1,260	2.6 mi	2025-05-16	Apartment
942 Wescott Trl, Eagan	$1,675	3 / 2	1,100	2.6 mi	2026-07-06	Apartment
896 Wescott Sq, Eagan	$1,599	3 / 1	1,100	2.7 mi	2026-09-05	Apartment

On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. Rents are asking rents from listings; check them against the actual leases.

Red flags and opportunities

Watch for

mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 1381 EASTER LN

Opportunities

None found.

Questions for the agent

Can we see the current leases and a rent roll, with move-in dates?
What did water/sewer/trash, heat and electric cost the owner over the last 12 months?
How old are the roof, boiler or furnaces, water heaters and electrical panels?
Is the building licensed as a rental for this many units, and when was the last city inspection?
Any special assessments pending, and will the seller pay them off at closing?

Standard questions worth asking about any building.

What the records say

Where each number comes from

Property tax / yr Listinglisting, tax year 2025. The tax the listing states. If the seller lives there it may be at the lower homestead rate; an investor owner pays the non-homestead rate, often 20–40% more on the owner's unit.	$5,568
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,531
Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid	$170
Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent	$0
Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal	$60
Repairs / capital reserve Rulerule. base rate	8% / 8%

Status history

2026-10-02New at $599,900

From the listing Listing

Listed as	duplex side x side
Property tax, 2025	$5,568
County	Dakota
Parcel number	108435401030

As the listing states it (NorthstarMLS, via Realtor.com). We don't have county records here yet; check the tax, homestead status and special assessments with the county.

Crime, rental-license and vacant-building records are only available for St. Paul and Minneapolis so far. Check with Eagan on rental licensing before you buy.