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Single Family ResidenceResidential
$127,808$87 / 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 87How 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 $115,000 on May 14, 2004

120 RIVER ST

PAYNESVILLE, MN 56362
3
Beds
2
Baths
1,470 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.
0.63 ac
Lot SizeThe size of the land the home sits on, from county records.
1914
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$128K
$111K low$145K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$115,000 · May 14, 2004
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.$127,808
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$102,246

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,214 (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.$200,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$169,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$195,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$200,900

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.55
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
51
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
42
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.155 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
CountySTEARNS
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.1970
Lot (acres)The size of the land the home sits on, from county records.0.63
ConstructionThe main material the home's frame and walls are built from.Tilt-Up Concrete
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.Central
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.Shed · 84 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.

E
Paynesville Area Elementary SchoolA-
Elementary · Grades PK–5 · 0.3 mi
M
Paynesville Area Secondary SchoolA-
Middle · Grades 6–12 · 0.8 mi

District: Paynesville Public School District

Neighborhood · ZIP 56362These 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.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.6,547
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.43 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,740
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,467
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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

120 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 85% of homes in Stearns County
  • Costs less per square foot than 93% of homes in Stearns County
  • Older than 93% of homes in Stearns County

What homes are worth in Paynesville 56362

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

This home
$77K$612K

This home is worth more than 17% of homes in Paynesville 56362.

How it measures up in Paynesville 56362

The dot is this home. The mark in the middle is the typical home in Paynesville 56362.

Estimated value$127,808
CheaperTypical $213,340Pricier

Pricier than 17% of homes nearby

Price per ft²$87
CheaperTypical $149Pricier

Pricier than 11% of homes nearby

Living area1,470 ft²
SmallerTypical 1,373 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.63 ac
SmallerTypical 0.62 acBigger

Bigger than 50% of homes nearby

Year built1914
OlderTypical 1975Newer

Newer than 9% of homes nearby

How 120 River St ranks against every home in each area.
MeasureThis homePaynesville 56362Stearns County
Estimated valuepricier than$127,80817% of homes15% of homes
Price per ft²pricier than$8711% of homes7% of homes
Living areabigger than1,470 ft²57% of homes59% of homes
Lot sizebigger than0.63 ac50% of homes64% of homes
Year builtnewer than19149% of homes7% of homes

About 120 River St

How much is 120 River St, Paynesville, MN worth?

The TopHap Estimate for 120 River St, Paynesville, MN is $127,808 as of Jul 14, 2026. The likely range is $110,854 to $144,762. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 River St, Paynesville, MN last sell?

120 River St, Paynesville, MN last sold on May 14, 2004 for $115,000, according to the county's recorded deed.

How big is 120 River St, Paynesville, MN?

120 River St, Paynesville, MN has 3 bedrooms, 2 bathrooms, 1,470 square feet of living space and a 0.63-acre lot.

When was 120 River St, Paynesville, MN built?

120 River St, Paynesville, MN was built in 1914, making it 112 years old. The building has 1 story.

What schools serve 120 River St, Paynesville, MN?

120 River St, Paynesville, MN is assigned to Paynesville Area Elementary School (elementary), rated A-; Paynesville Area Secondary School (middle), rated A-. All sit in Paynesville Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 River St, Paynesville, MN compare to other homes in Paynesville 56362?

Among the 3,026 homes in Paynesville 56362, it is worth more than 17% of them ($127,808 against a typical $213,340), its price per square foot is higher than 11% of them ($87 against a typical $149), it is bigger than 57% of them (1,470 ft² against a typical 1,373 ft²), its lot is bigger than 50% of them (0.63 ac against a typical 0.62 ac) and it is newer than 9% of them (1914 against a typical 1975). Measured against all of Stearns County, it is worth more than 15% 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 River St, Paynesville, MN?

The 2026 property tax bill for 120 River St, Paynesville, MN was $2,214. The county assessed it at $200,900.

Closest homes

More homes in Paynesville 56362

Assigned schools

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