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Single Family ResidenceResidential
$130,313$99 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

104 RIVER ST

PAYNESVILLE, MN 56362
3
Beds
1
Baths
1,319 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.
0.55 ac
Lot SizeThe size of the land the home sits on, from county records.
1928
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
10
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

$130K
$116K low$145K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$130,313
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$104,250

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$184,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$151,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$179,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$184,400

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.55
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
51
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
42
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.152 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1967
Lot (acres)The size of the land the home sits on, from county records.0.55
ConstructionThe main material the home's frame and walls are built from.Tilt-Up Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
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
Paynesville Area Elementary SchoolA-
Elementary · Grades PK–5 · 0.3 mi
M
Paynesville Area Secondary SchoolA-
Middle · Grades 6–12 · 0.9 mi

District: Paynesville Public School District

Neighborhood · ZIP 56362These 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.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
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.6,547
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.43 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,740
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,467
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

104 River St 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 84% of homes in Stearns County
  • Costs less per square foot than 89% of homes in Stearns County
  • Older than 87% of homes in Stearns County

What homes are worth in Paynesville 56362

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

This home
$77K$612K

This home is worth more than 18% of homes in Paynesville 56362.

How it measures up in Paynesville 56362

The dot is this home. The mark in the middle is the typical home in Paynesville 56362.

Estimated value$130,313
CheaperTypical $213,340Pricier

Pricier than 18% of homes nearby

Price per ft²$99
CheaperTypical $149Pricier

Pricier than 17% of homes nearby

Living area1,319 ft²
SmallerTypical 1,373 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.55 ac
SmallerTypical 0.62 acBigger

Bigger than 47% of homes nearby

Year built1928
OlderTypical 1975Newer

Newer than 15% of homes nearby

How 104 River St ranks against every home in each area.
MeasureThis homePaynesville 56362Stearns County
Estimated valuepricier than$130,31318% of homes16% of homes
Price per ft²pricier than$9917% of homes11% of homes
Living areabigger than1,319 ft²45% of homes48% of homes
Lot sizebigger than0.55 ac47% of homes62% of homes
Year builtnewer than192815% of homes13% of homes

About 104 River St

How much is 104 River St, Paynesville, MN worth?

The TopHap Estimate for 104 River St, Paynesville, MN is $130,313 as of Jul 14, 2026. The likely range is $115,654 to $144,972. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 104 River St, Paynesville, MN last sell?

104 River St, Paynesville, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 104 River St, Paynesville, MN?

104 River St, Paynesville, MN has 3 bedrooms, 1 bathrooms, 1,319 square feet of living space and a 0.55-acre lot.

When was 104 River St, Paynesville, MN built?

104 River St, Paynesville, MN was built in 1928, making it 98 years old. The building has 1 story.

What schools serve 104 River St, Paynesville, MN?

104 River St, Paynesville, MN is assigned to Paynesville Area Elementary School (elementary), rated A-; Paynesville Area Secondary School (middle), rated A-. All sit in Paynesville Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 104 River St, Paynesville, MN compare to other homes in Paynesville 56362?

Among the 3,026 homes in Paynesville 56362, it is worth more than 18% of them ($130,313 against a typical $213,340), its price per square foot is higher than 17% of them ($99 against a typical $149), it is bigger than 45% of them (1,319 ft² against a typical 1,373 ft²), its lot is bigger than 47% of them (0.55 ac against a typical 0.62 ac) and it is newer than 15% of them (1928 against a typical 1975). Measured against all of Stearns County, it is worth more than 16% 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 104 River St, Paynesville, MN?

The 2025 property tax bill for 104 River St, Paynesville, MN was $4. The county assessed it at $184,400.

Closest homes

More homes in Paynesville 56362

Assigned schools

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