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Commercial (General)Commercial
$618,647$1,578 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 25, 2026

109 RIDGEWATER RD

DEVILS LAKE, ND 58301
1
Beds
3
Baths
392 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.
3.95 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$619K
$530K low$708K 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.$358,647
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$286,918
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.42%
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.$180,000
RAMSEY NATIONAL BANK · recorded Apr 3, 2018
2nd 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.$80,000
FIRST COMMUNITY CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,266 (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.$242,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$216,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$223,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$485,000

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.28
28
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
49
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
41
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
17
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
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.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Commercial (General)
CountyRAMSEY
Lot (acres)The size of the land the home sits on, from county records.3.95
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

H
Devils Lake High SchoolC
High · Grades 9–12 · 5.5 mi
E
Sweetwater Elementary School
Elementary · Grades 1–2 · 5.8 mi
M
Central Middle SchoolC
Middle · Grades 5–8 · 6.1 mi

District: Devils Lake Public School District 1

Neighborhood · ZIP 58301These 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.121
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.9

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.9,685
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.28 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,386
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,957
Average tempThe average temperature here across a full year.39°F
Annual precipHow much rain and melted snow falls here in a typical year.18 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

109 Ridgewater Rd 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 more than 95% of homes in Ramsey County
  • Among the highest price per square foot in Devils Lake 58301
  • Among the smallest homes in Devils Lake 58301
  • Has a bigger lot than 90% of homes in Devils Lake 58301
  • Newer than 93% of homes in Ramsey County

What homes are worth in Devils Lake 58301

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

This home
$56K$782K

This home is worth more than 94% of homes in Devils Lake 58301.

How it measures up in Devils Lake 58301

The dot is this home. The mark in the middle is the typical home in Devils Lake 58301.

Estimated value$618,647
CheaperTypical $273,332Pricier

Pricier than 94% of homes nearby

Price per ft²$1578
CheaperTypical $247Pricier

Pricier than almost all homes nearby

Living area392 ft²
SmallerTypical 1,663 ft²Bigger

Smaller than almost all homes nearby

Lot size3.95 ac
SmallerTypical 0.28 acBigger

Bigger than 90% of homes nearby

Year built2015
OlderTypical 1987Newer

Newer than 92% of homes nearby

How 109 Ridgewater Rd ranks against every home in each area.
MeasureThis homeDevils Lake 58301Ramsey County
Estimated valuepricier than$618,64794% of homes95% of homes
Price per ft²pricier than$1578almost all homesalmost all homes
Living areabigger than392 ft²almost no homesalmost no homes
Lot sizebigger than3.95 ac90% of homes85% of homes
Year builtnewer than201592% of homes93% of homes

About 109 Ridgewater Rd

How much is 109 Ridgewater Rd, Devils Lake, ND worth?

The TopHap Estimate for 109 Ridgewater Rd, Devils Lake, ND is $618,647 as of Jun 25, 2026. The likely range is $529,603 to $707,691. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Ridgewater Rd, Devils Lake, ND last sell?

109 Ridgewater Rd, Devils Lake, ND last sold on Nov 13, 2025, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 109 Ridgewater Rd, Devils Lake, ND?

109 Ridgewater Rd, Devils Lake, ND has 1 bedrooms, 3 bathrooms, 392 square feet of living space and a 3.95-acre lot.

When was 109 Ridgewater Rd, Devils Lake, ND built?

109 Ridgewater Rd, Devils Lake, ND was built in 2015, making it 11 years old. The building has 1 story.

What schools serve 109 Ridgewater Rd, Devils Lake, ND?

109 Ridgewater Rd, Devils Lake, ND is assigned to Devils Lake High School (high), rated C; Sweetwater Elementary School (elementary); Central Middle School (middle), rated C. All sit in Devils Lake Public School District 1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Ridgewater Rd, Devils Lake, ND compare to other homes in Devils Lake 58301?

Among the 3,100 homes in Devils Lake 58301, it is worth more than 94% of them ($618,647 against a typical $273,332), its price per square foot is higher than almost all of them ($1578 against a typical $247), it is bigger than almost none of them (392 ft² against a typical 1,663 ft²), its lot is bigger than 90% of them (3.95 ac against a typical 0.28 ac) and it is newer than 92% of them (2015 against a typical 1987). Measured against all of Ramsey County, it is worth more than 95% 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 109 Ridgewater Rd, Devils Lake, ND?

The 2025 property tax bill for 109 Ridgewater Rd, Devils Lake, ND was $4,266. The county assessed it at $242,500.

Closest homes

More homes in Devils Lake 58301

Assigned schools

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