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Single Family ResidenceResidential
$239,649$186 / 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 97How 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
Last sold for $237,000 on May 18, 2026

109 STEPHEN DR NE

FERTILE, MN 56540
5
Beds
2
Baths
1,288 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$240K
$232K low$247K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$237,000 · May 18, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,266 (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.$162,300 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$174,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$191,600

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.A-Frame
CountyPOLK
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 240 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
Fertile-Beltrami Secondary SchoolA-
Middle · Grades 7–12 · 0.4 mi
E
Fertile-Beltrami Elementary SchoolA
Elementary · Grades PK–6 · 0.4 mi

District: Fertile-Beltrami School District

Neighborhood · ZIP 56540These 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.132
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.8

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.77%
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.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.1,855
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.10 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,102
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,075
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Owner Tools

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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

109 Stephen Dr Ne 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.

  • Has a smaller lot than 72% of homes in Fertile 56540
  • Newer than 69% of homes in Fertile 56540

What homes are worth in Fertile 56540

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

This home
$61K$633K

This home is worth more than 48% of homes in Fertile 56540.

How it measures up in Fertile 56540

The dot is this home. The mark in the middle is the typical home in Fertile 56540.

Estimated value$239,649
CheaperTypical $247,596Pricier

Pricier than 48% of homes nearby

Price per ft²$186
CheaperTypical $160Pricier

Pricier than 61% of homes nearby

Living area1,288 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.33 ac
SmallerTypical 3.39 acBigger

Bigger than 28% of homes nearby

Year built1978
OlderTypical 1959Newer

Newer than 69% of homes nearby

How 109 Stephen Dr Ne ranks against every home in each area.
MeasureThis homeFertile 56540Polk County
Estimated valuepricier than$239,64948% of homes47% of homes
Price per ft²pricier than$18661% of homes56% of homes
Living areabigger than1,288 ft²40% of homes45% of homes
Lot sizebigger than0.33 ac28% of homes43% of homes
Year builtnewer than197869% of homes66% of homes

About 109 Stephen Dr Ne

How much is 109 Stephen Dr Ne, Fertile, MN worth?

The TopHap Estimate for 109 Stephen Dr Ne, Fertile, MN is $239,649 as of Aug 30, 2026. The likely range is $232,435 to $246,863. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Stephen Dr Ne, Fertile, MN last sell?

109 Stephen Dr Ne, Fertile, MN last sold on May 18, 2026 for $237,000, according to the county's recorded deed.

How big is 109 Stephen Dr Ne, Fertile, MN?

109 Stephen Dr Ne, Fertile, MN has 5 bedrooms, 2 bathrooms, 1,288 square feet of living space and a 0.33-acre lot.

When was 109 Stephen Dr Ne, Fertile, MN built?

109 Stephen Dr Ne, Fertile, MN was built in 1978, making it 48 years old. It is a a-frame home. The building has 1 story.

What schools serve 109 Stephen Dr Ne, Fertile, MN?

109 Stephen Dr Ne, Fertile, MN is assigned to Fertile-Beltrami Secondary School (middle), rated A-; Fertile-Beltrami Elementary School (elementary), rated A. All sit in Fertile-Beltrami School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Stephen Dr Ne, Fertile, MN compare to other homes in Fertile 56540?

Among the 868 homes in Fertile 56540, it is worth more than 48% of them ($239,649 against a typical $247,596), its price per square foot is higher than 61% of them ($186 against a typical $160), it is bigger than 40% of them (1,288 ft² against a typical 1,444 ft²), its lot is bigger than 28% of them (0.33 ac against a typical 3.39 ac) and it is newer than 69% of them (1978 against a typical 1959). Measured against all of Polk County, it is worth more than 47% 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 Stephen Dr Ne, Fertile, MN?

The 2026 property tax bill for 109 Stephen Dr Ne, Fertile, MN was $2,266. The county assessed it at $162,300.

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