St. Paul is one of the Minnesota cities with its own pre-sale disclosure rule. Single-family homes, duplexes, condominiums, and townhomes need a Truth-in-Sale of Housing (TISH) evaluation completed before the property is marketed, and the report has to be available to any potential buyer within three calendar days of the listing. It stays valid for one year and covers a single sale. Buildings with three or more units, commercial and mixed-use properties, and sales to immediate family are exempt.
Here is the part most sellers of older St. Paul homes worry about unnecessarily: TISH is a disclosure report, not a repair order. For a single-family home, the one item the city actually requires is a working hard-wired smoke alarm. Everything else the evaluator flags is information for the buyer — it is not a list you are obligated to fix.
That distinction is exactly why a cash sale is simpler here. A TISH report full of flagged items can spook a retail buyer or trigger lender-required repairs before a mortgage will fund. We are buying the house as it stands, so the findings change nothing about our offer or our closing date. Rules do change and every property is different — confirm your own situation with Saint Paul DSI at (651) 266-8989, and tell us what you learn so we can work around it.