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Single Family ResidenceResidential
$123,385$100 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $120,000 on Nov 19, 2025

120 ELM

WATSON, MN 56295
3
Beds
0
Baths
1,235 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$123K
$112K low$135K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,000 · Nov 19, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,006 (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.$104,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$102,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$97,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$104,000

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
42
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
4
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyCHIPPEWA
Lot (acres)The size of the land the home sits on, from county records.0.24
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Ramsey Elementary SchoolC+
Elementary · Grades KG–2 · 5.0 mi
H
Montevideo Senior High SchoolB+
High · Grades 9–12 · 6.4 mi
M
Montevideo Middle SchoolB-
Middle · Grades 5–8 · 6.6 mi

District: Montevideo Public School District

Neighborhood · ZIP 56295These 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.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
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.208
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.$73,227
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,888
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.25 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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

120 Elm 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 72% of homes in Watson 56295
  • Costs less per square foot than 78% of homes in Chippewa County
  • Bigger than 72% of homes in Watson 56295
  • Has a smaller lot than 79% of homes in Watson 56295

What homes are worth in Watson 56295

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

This home
$30K$235K

This home is worth more than 72% of homes in Watson 56295.

How it measures up in Watson 56295

The dot is this home. The mark in the middle is the typical home in Watson 56295.

Estimated value$123,385
CheaperTypical $87,542Pricier

Pricier than 72% of homes nearby

Price per ft²$100
CheaperTypical $85Pricier

Pricier than 64% of homes nearby

Living area1,235 ft²
SmallerTypical 1,110 ft²Bigger

Bigger than 72% of homes nearby

Lot size0.24 ac
SmallerTypical 0.31 acBigger

Bigger than 21% of homes nearby

How 120 Elm ranks against every home in each area.
MeasureThis homeWatson 56295Chippewa County
Estimated valuepricier than$123,38572% of homes38% of homes
Price per ft²pricier than$10064% of homes22% of homes
Living areabigger than1,235 ft²72% of homes70% of homes
Lot sizebigger than0.24 ac21% of homes41% of homes

About 120 Elm

How much is 120 Elm, Watson, MN worth?

The TopHap Estimate for 120 Elm, Watson, MN is $123,385 as of Sep 24, 2026. The likely range is $111,813 to $134,957. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Elm, Watson, MN last sell?

120 Elm, Watson, MN last sold on Nov 19, 2025 for $120,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 120 Elm, Watson, MN?

120 Elm, Watson, MN has 3 bedrooms, 1,235 square feet of living space and a 0.24-acre lot.

What schools serve 120 Elm, Watson, MN?

120 Elm, Watson, MN is assigned to Ramsey Elementary School (elementary), rated C+; Montevideo Senior High School (high), rated B+; Montevideo Middle School (middle), rated B-. All sit in Montevideo Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Elm, Watson, MN compare to other homes in Watson 56295?

Among the 136 homes in Watson 56295, it is worth more than 72% of them ($123,385 against a typical $87,542), its price per square foot is higher than 64% of them ($100 against a typical $85), it is bigger than 72% of them (1,235 ft² against a typical 1,110 ft²) and its lot is bigger than 21% of them (0.24 ac against a typical 0.31 ac). Measured against all of Chippewa County, it is worth more than 38% 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 120 Elm, Watson, MN?

The 2026 property tax bill for 120 Elm, Watson, MN was $2,006. The county assessed it at $104,000.

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