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Single Family ResidenceResidential
$146,211$124 / 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 95How 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
Last sold for $125,000 on Apr 28, 2021

1040 RIVER ST

DAKOTA, MN 55925
3
Beds
1
Baths
1,183 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.
0.84 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$146K
$139K low$154K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Apr 28, 2021
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.$27,461
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$21,969
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.73%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$118,750
MERCHANTS BANK NA · recorded Apr 28, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,196 (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.$137,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$112,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$24,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$140,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$137,600

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
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
1
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.197 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
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyWinona
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.1974
Lot (acres)The size of the land the home sits on, from county records.0.84
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Stone (Unspecified)
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 200 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Winona Middle SchoolD+
Middle · Grades 5–8 · 14.8 mi
E
Washington Kosciusko Elementary SchoolC-
Elementary · Grades KG–4 · 15.9 mi
H
Winona Senior High SchoolB-
High · Grades 9–12 · 17.9 mi

District: Winona Area Public School District

Neighborhood · ZIP 55925These 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.102
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
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.92%
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.3.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.807
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.26 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,711
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,985
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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

1040 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 96% of homes in Dakota 55925
  • Costs less per square foot than 89% of homes in Dakota 55925
  • Smaller than 71% of homes in Dakota 55925
  • Has a bigger lot than 79% of homes in Winona County
  • Older than 72% of homes in Dakota 55925

What homes are worth in Dakota 55925

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

This home
$133K$579K

This home is worth more than 4% of homes in Dakota 55925.

How it measures up in Dakota 55925

The dot is this home. The mark in the middle is the typical home in Dakota 55925.

Estimated value$146,211
CheaperTypical $261,097Pricier

Pricier than 4% of homes nearby

Price per ft²$124
CheaperTypical $186Pricier

Pricier than 11% of homes nearby

Living area1,183 ft²
SmallerTypical 1,389 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.84 ac
SmallerTypical 1 acBigger

Bigger than 42% of homes nearby

Year built1930
OlderTypical 1969Newer

Newer than 28% of homes nearby

How 1040 River St ranks against every home in each area.
MeasureThis homeDakota 55925Winona County
Estimated valuepricier than$146,2114% of homes19% of homes
Price per ft²pricier than$12411% of homes26% of homes
Living areabigger than1,183 ft²29% of homes32% of homes
Lot sizebigger than0.84 ac42% of homes79% of homes
Year builtnewer than193028% of homes36% of homes

About 1040 River St

How much is 1040 River St, Dakota, MN worth?

The TopHap Estimate for 1040 River St, Dakota, MN is $146,211 as of Jul 14, 2026. The likely range is $138,728 to $153,694. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1040 River St, Dakota, MN last sell?

1040 River St, Dakota, MN last sold on Apr 28, 2021 for $125,000, according to the county's recorded deed.

How big is 1040 River St, Dakota, MN?

1040 River St, Dakota, MN has 3 bedrooms, 1 bathrooms, 1,183 square feet of living space and a 0.84-acre lot.

When was 1040 River St, Dakota, MN built?

1040 River St, Dakota, MN was built in 1930, making it 96 years old. It is a split level home. The building has 2 stories.

What schools serve 1040 River St, Dakota, MN?

1040 River St, Dakota, MN is assigned to Winona Middle School (middle), rated D+; Washington Kosciusko Elementary School (elementary), rated C-; Winona Senior High School (high), rated B-. All sit in Winona Area Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 River St, Dakota, MN compare to other homes in Dakota 55925?

Among the 398 homes in Dakota 55925, it is worth more than 4% of them ($146,211 against a typical $261,097), its price per square foot is higher than 11% of them ($124 against a typical $186), it is bigger than 29% of them (1,183 ft² against a typical 1,389 ft²), its lot is bigger than 42% of them (0.84 ac against a typical 1 ac) and it is newer than 28% of them (1930 against a typical 1969). Measured against all of Winona County, it is worth more than 19% 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 1040 River St, Dakota, MN?

The 2025 property tax bill for 1040 River St, Dakota, MN was $1,196. The county assessed it at $137,600.

Closest homes

More homes in Dakota 55925

Assigned schools

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