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Single Family ResidenceResidential
$138,210$105 / 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 82How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

1023 12TH ST N

SAINT CLOUD, MN 56303
3
Beds
2
Baths
1,311 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$138K
$113K low$163K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,344 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$185,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$160,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$185,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$185,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.25
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.0.18
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
CoolingThe type of cooling or air conditioning in the home.None
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
Madison Elementary SchoolC
Elementary · Grades PK–5 · 0.8 mi
M
North Junior High SchoolD
Middle · Grades 6–8 · 0.9 mi
H
Apollo High SchoolC-
High · Grades 9–12 · 1.8 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56303These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.28,127
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,548 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,026
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,437
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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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

1023 12th St N 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 89% of homes in Stearns County
  • Costs less per square foot than 92% of homes in Saint Cloud 56303
  • Has a smaller lot than 83% of homes in Stearns County
  • Older than 90% of homes in Stearns County

What homes are worth in Saint Cloud 56303

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

This home
$95K$478K

This home is worth more than 20% of homes in Saint Cloud 56303.

How it measures up in Saint Cloud 56303

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56303.

Estimated value$138,210
CheaperTypical $182,862Pricier

Pricier than 20% of homes nearby

Price per ft²$105
CheaperTypical $155Pricier

Pricier than 8% of homes nearby

Living area1,311 ft²
SmallerTypical 1,188 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.18 ac
SmallerTypical 0.2 acBigger

Bigger than 42% of homes nearby

Year built1920
OlderTypical 1971Newer

Newer than 11% of homes nearby

How 1023 12th St N ranks against every home in each area.
MeasureThis homeSaint Cloud 56303Stearns County
Estimated valuepricier than$138,21020% of homes11% of homes
Price per ft²pricier than$1058% of homes8% of homes
Living areabigger than1,311 ft²63% of homes47% of homes
Lot sizebigger than0.18 ac42% of homes17% of homes
Year builtnewer than192011% of homes10% of homes

About 1023 12th St N

How much is 1023 12th St N, Saint Cloud, MN worth?

The TopHap Estimate for 1023 12th St N, Saint Cloud, MN is $138,210 as of Aug 30, 2026. The likely range is $113,200 to $163,220. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1023 12th St N, Saint Cloud, MN last sell?

1023 12th St N, Saint Cloud, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1023 12th St N, Saint Cloud, MN?

1023 12th St N, Saint Cloud, MN has 3 bedrooms, 2 bathrooms, 1,311 square feet of living space and a 0.18-acre lot.

When was 1023 12th St N, Saint Cloud, MN built?

1023 12th St N, Saint Cloud, MN was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 1023 12th St N, Saint Cloud, MN?

1023 12th St N, Saint Cloud, MN is assigned to Madison Elementary School (elementary), rated C; North Junior High School (middle), rated D; Apollo High School (high), rated C-. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1023 12th St N, Saint Cloud, MN compare to other homes in Saint Cloud 56303?

Among the 8,915 homes in Saint Cloud 56303, it is worth more than 20% of them ($138,210 against a typical $182,862), its price per square foot is higher than 8% of them ($105 against a typical $155), it is bigger than 63% of them (1,311 ft² against a typical 1,188 ft²), its lot is bigger than 42% of them (0.18 ac against a typical 0.2 ac) and it is newer than 11% of them (1920 against a typical 1971). Measured against all of Stearns County, it is worth more than 11% 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 1023 12th St N, Saint Cloud, MN?

The 2026 property tax bill for 1023 12th St N, Saint Cloud, MN was $2,344. The county assessed it at $185,100.

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