What does your tax statement say about the house? It will normally show number of bedrooms. Now, depending when you created an additional bedroom, they may not have that one on record but otherwise they should be showing what they consider to be number of bedrooms. Chances are the City is recogizing those two rooms upstairs as bedrooms and has for some time.
It is not an appraisers or inspectors job to know all the city codes. They may know some of the obvious but it is not necessarily part of their job. As mentioned, I doubt you will see someone measuring a window.
At least on my criteria, that is correct.
Anyway, there are many homes in Saint Paul that does not met that but are shown on the local MLS as a bedroom. I have notice that those homes take longer to sell because buyers are looking for, let say, 3 bedrooms, not 2 bedrooms and a storage room.
I just remmember a home I showed in 2005 with 5 bedrooms on the local MLS but buyer and me only found 3, Home Owner was at home, and she said, Didn't my agent told you? We will escrow $500 to the buyer to built to walls in the basement, and there you have 2 more bedrooms.... Buyer did not buy it, the idea.
Also, heating is important.
City if Saint Paul has a City inspection for homes for sale.