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Single Family ResidenceResidential
$345,977$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 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
Last sold for $435,000 on Nov 20, 2020

1109 W RIVER ST

MONTICELLO, MN 55362
3
Beds
3 / 1
Baths
3,290 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.
0.44 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$346K
$309K low$383K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$435,000 · Nov 20, 2020
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.103%
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.$348,000
BELL BANK · recorded Nov 20, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,562 (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.$546,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$110,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$436,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$504,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$546,500

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.34 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.Single Family Residence
CountyWRIGHT
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.2002
Lot (acres)The size of the land the home sits on, from county records.0.44
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.Wood Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 1,200 ft²Porch · 64 ft²

Transaction History(3)

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.

E
Pinewood Elementary SchoolA+
Elementary · Grades 1–5 · 0.2 mi
M
Monticello Middle SchoolA-
Middle · Grades 6–8 · 1.6 mi
H
Monticello High SchoolA+
High · Grades 9–12 · 2.4 mi

District: Monticello Public School District

Neighborhood · ZIP 55362These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

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.97%
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.7.8%
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.21,319
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.332 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,900
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,530
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.29 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

1109 W 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 more than 79% of homes in Monticello 55362
  • Costs less per square foot than 97% of homes in Monticello 55362
  • Bigger than 98% of homes in Monticello 55362

What homes are worth in Monticello 55362

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

This home
$134K$649K

This home is worth more than 79% of homes in Monticello 55362.

How it measures up in Monticello 55362

The dot is this home. The mark in the middle is the typical home in Monticello 55362.

Estimated value$345,977
CheaperTypical $234,552Pricier

Pricier than 79% of homes nearby

Price per ft²$105
CheaperTypical $183Pricier

Pricier than 3% of homes nearby

Living area3,290 ft²
SmallerTypical 1,297 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.44 ac
SmallerTypical 0.34 acBigger

Bigger than 61% of homes nearby

Year built1998
OlderTypical 1996Newer

Newer than 56% of homes nearby

How 1109 W River St ranks against every home in each area.
MeasureThis homeMonticello 55362Wright County
Estimated valuepricier than$345,97779% of homes68% of homes
Price per ft²pricier than$1053% of homes3% of homes
Living areabigger than3,290 ft²98% of homes98% of homes
Lot sizebigger than0.44 ac61% of homes62% of homes
Year builtnewer than199856% of homes49% of homes

About 1109 W River St

How much is 1109 W River St, Monticello, MN worth?

The TopHap Estimate for 1109 W River St, Monticello, MN is $345,977 as of Jul 14, 2026. The likely range is $308,514 to $383,440. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1109 W River St, Monticello, MN last sell?

1109 W River St, Monticello, MN last sold on Nov 20, 2020 for $435,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1109 W River St, Monticello, MN?

1109 W River St, Monticello, MN has 3 bedrooms, 3 bathrooms, 3,290 square feet of living space and a 0.44-acre lot.

When was 1109 W River St, Monticello, MN built?

1109 W River St, Monticello, MN was built in 1998, making it 28 years old. The building has 2 stories.

What schools serve 1109 W River St, Monticello, MN?

1109 W River St, Monticello, MN is assigned to Pinewood Elementary School (elementary), rated A+; Monticello Middle School (middle), rated A-; Monticello High School (high), rated A+. All sit in Monticello Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1109 W River St, Monticello, MN compare to other homes in Monticello 55362?

Among the 6,942 homes in Monticello 55362, it is worth more than 79% of them ($345,977 against a typical $234,552), its price per square foot is higher than 3% of them ($105 against a typical $183), it is bigger than 98% of them (3,290 ft² against a typical 1,297 ft²), its lot is bigger than 61% of them (0.44 ac against a typical 0.34 ac) and it is newer than 56% of them (1998 against a typical 1996). Measured against all of Wright County, it is worth more than 68% 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 1109 W River St, Monticello, MN?

The 2026 property tax bill for 1109 W River St, Monticello, MN was $5,562. The county assessed it at $546,500.

Closest homes

More homes in Monticello 55362

Assigned schools

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