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Single Family ResidenceResidential
$243,743$155 / 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 81How 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

12965 RIVER ST

HOLDINGFORD, MN 56340
4
Beds
1
Baths
1,576 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.
9.88 ac
Lot SizeThe size of the land the home sits on, from county records.
1918
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.

Valuation

$244K
$197K low$290K high
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.$243,743
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$194,994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,924 (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.$325,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$160,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$164,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$337,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$325,300

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.38
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
55
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.
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.13 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.1 percent flood zone

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.1960
Lot (acres)The size of the land the home sits on, from county records.9.88
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.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
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 · 2,400 ft²

Transaction History(2)

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
Holdingford Secondary SchoolC+
Middle · Grades 7–12 · 4.2 mi
E
Holdingford Elementary SchoolB+
Elementary · Grades PK–6 · 4.2 mi

District: Holdingford Public School District

Neighborhood · ZIP 56340These 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.121
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 100.14

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,969
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.39 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,281
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,832
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.56%

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

12965 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.

  • Bigger than 67% of homes in Stearns County
  • Has a bigger lot than 88% of homes in Stearns County
  • Older than 91% of homes in Stearns County

What homes are worth in Holdingford 56340

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

This home
$84K$543K

This home is worth more than 55% of homes in Holdingford 56340.

How it measures up in Holdingford 56340

The dot is this home. The mark in the middle is the typical home in Holdingford 56340.

Estimated value$243,743
CheaperTypical $230,484Pricier

Pricier than 55% of homes nearby

Price per ft²$155
CheaperTypical $156Pricier

Pricier than 49% of homes nearby

Living area1,576 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 65% of homes nearby

Lot size9.88 ac
SmallerTypical 4.2 acBigger

Bigger than 65% of homes nearby

Year built1918
OlderTypical 1979Newer

Newer than 17% of homes nearby

How 12965 River St ranks against every home in each area.
MeasureThis homeHoldingford 56340Stearns County
Estimated valuepricier than$243,74355% of homes61% of homes
Price per ft²pricier than$15549% of homes50% of homes
Living areabigger than1,576 ft²65% of homes67% of homes
Lot sizebigger than9.88 ac65% of homes88% of homes
Year builtnewer than191817% of homes9% of homes

About 12965 River St

How much is 12965 River St, Holdingford, MN worth?

The TopHap Estimate for 12965 River St, Holdingford, MN is $243,743 as of Jul 14, 2026. The likely range is $197,473 to $290,013. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12965 River St, Holdingford, MN last sell?

12965 River St, Holdingford, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12965 River St, Holdingford, MN?

12965 River St, Holdingford, MN has 4 bedrooms, 1 bathrooms, 1,576 square feet of living space and a 9.88-acre lot.

When was 12965 River St, Holdingford, MN built?

12965 River St, Holdingford, MN was built in 1918, making it 108 years old. The building has 1 story.

What schools serve 12965 River St, Holdingford, MN?

12965 River St, Holdingford, MN is assigned to Holdingford Secondary School (middle), rated C+; Holdingford Elementary School (elementary), rated B+. All sit in Holdingford Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12965 River St, Holdingford, MN compare to other homes in Holdingford 56340?

Among the 952 homes in Holdingford 56340, it is worth more than 55% of them ($243,743 against a typical $230,484), its price per square foot is higher than 49% of them ($155 against a typical $156), it is bigger than 65% of them (1,576 ft² against a typical 1,440 ft²), its lot is bigger than 65% of them (9.88 ac against a typical 4.2 ac) and it is newer than 17% of them (1918 against a typical 1979). Measured against all of Stearns County, it is worth more than 61% 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 12965 River St, Holdingford, MN?

The 2026 property tax bill for 12965 River St, Holdingford, MN was $2,924. The county assessed it at $325,300.

Closest homes

More homes in Holdingford 56340

Assigned schools

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