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Rural ResidenceResidential

12870 287TH ST

SAINT JOSEPH, MN 56374
3
Beds
2.5
Baths
1,617 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.
40 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,862 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$489,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$257,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$231,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$478,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$489,300

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.39
55
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
47
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
5
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.19 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
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.1978
Lot (acres)The size of the land the home sits on, from county records.40.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 640 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
Kennedy Community SchoolC+
Elementary · Grades PK–8 · 3.2 mi
H
Apollo High SchoolD+
High · Grades 9–12 · 8.0 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56374These 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.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.94%
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.12%
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.11,970
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.168 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,765
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,748
Average tempThe average temperature here across a full year.43°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.55%

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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

12870 287th 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.

  • Bigger than 72% of homes in Saint Joseph 56374
  • Has a bigger lot than 95% of homes in Saint Joseph 56374
  • Older than 78% of homes in Saint Joseph 56374

How it measures up in Saint Joseph 56374

The dot is this home. The mark in the middle is the typical home in Saint Joseph 56374.

Living area1,617 ft²
SmallerTypical 1,294 ft²Bigger

Bigger than 72% of homes nearby

Lot size40 ac
SmallerTypical 0.49 acBigger

Bigger than 95% of homes nearby

Year built1970
OlderTypical 1990Newer

Newer than 22% of homes nearby

How 12870 287th St ranks against every home in each area.
MeasureThis homeSaint Joseph 56374Stearns County
Living areabigger than1,617 ft²72% of homes69% of homes
Lot sizebigger than40 ac95% of homes95% of homes
Year builtnewer than197022% of homes36% of homes

About 12870 287th St

When did 12870 287th St, Saint Joseph, MN last sell?

12870 287th St, Saint Joseph, MN last sold on May 1, 2014, according to the county's recorded deed.

How big is 12870 287th St, Saint Joseph, MN?

12870 287th St, Saint Joseph, MN has 3 bedrooms, 2.5 bathrooms, 1,617 square feet of living space and a 40.00-acre lot.

When was 12870 287th St, Saint Joseph, MN built?

12870 287th St, Saint Joseph, MN was built in 1970, making it 56 years old. It is a split level home. The building has 1 story.

What schools serve 12870 287th St, Saint Joseph, MN?

12870 287th St, Saint Joseph, MN is assigned to Kennedy Community School (elementary), rated C+; Apollo High School (high), rated D+. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12870 287th St, Saint Joseph, MN compare to other homes in Saint Joseph 56374?

Among the 3,165 homes in Saint Joseph 56374, it is bigger than 72% of them (1,617 ft² against a typical 1,294 ft²), its lot is bigger than 95% of them (40 ac against a typical 0.49 ac) and it is newer than 22% of them (1970 against a typical 1990). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12870 287th St, Saint Joseph, MN?

The 2024 property tax bill for 12870 287th St, Saint Joseph, MN was $3,862. The county assessed it at $489,300.

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