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Rural ResidenceResidential
$268,592$163 / 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 73How 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 $106,000 on Jun 23, 1997

20685 CONCORD ST NW

ELK RIVER, MN 55330
2
Beds
2
Baths
1,650 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.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
4
StoriesHow many floors the home has above ground.

Valuation

$269K
$197K low$340K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$106,000 · Jun 23, 1997
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.$36,592
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$29,274
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.91%
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.$232,000
JPMORGAN CHASE BANK NA · recorded May 16, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,888 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,000

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.20 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 Foyer
CountySHERBURNE
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.1984
Lot (acres)The size of the land the home sits on, from county records.5.00
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.Composition Shingle
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Wet barDeck · 200 ft²Porch · 200 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Meadowvale Elementary SchoolA-
Elementary · Grades KG–5 · 1.7 mi
M
VandenBerge Middle SchoolB
Middle · Grades 6–8 · 2.5 mi
H
Elk River High SchoolA
High · Grades 9–12 · 2.7 mi

District: Elk River Area Isd 728

Neighborhood · ZIP 55330These 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.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.9

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.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.49,987
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.465 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$112,701
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,035
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.31 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

20685 Concord St Nw 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.

  • Costs less per square foot than 85% of homes in Sherburne County
  • Bigger than 87% of homes in Sherburne County
  • Has a bigger lot than 93% of homes in Elk River 55330
  • Older than 79% of homes in Elk River 55330

What homes are worth in Elk River 55330

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

This home
$127K$609K

This home is worth more than 49% of homes in Elk River 55330.

How it measures up in Elk River 55330

The dot is this home. The mark in the middle is the typical home in Elk River 55330.

Estimated value$268,592
CheaperTypical $271,344Pricier

Pricier than 49% of homes nearby

Price per ft²$163
CheaperTypical $196Pricier

Pricier than 25% of homes nearby

Living area1,650 ft²
SmallerTypical 1,324 ft²Bigger

Bigger than 72% of homes nearby

Lot size5 ac
SmallerTypical 0.39 acBigger

Bigger than 93% of homes nearby

Year built1983
OlderTypical 2000Newer

Newer than 21% of homes nearby

How 20685 Concord St Nw ranks against every home in each area.
MeasureThis homeElk River 55330Sherburne County
Estimated valuepricier than$268,59249% of homes56% of homes
Price per ft²pricier than$16325% of homes15% of homes
Living areabigger than1,650 ft²72% of homes87% of homes
Lot sizebigger than5 ac93% of homes88% of homes
Year builtnewer than198321% of homes23% of homes

About 20685 Concord St Nw

How much is 20685 Concord St Nw, Elk River, MN worth?

The TopHap Estimate for 20685 Concord St Nw, Elk River, MN is $268,592 as of Jul 14, 2026. The likely range is $197,305 to $339,879. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20685 Concord St Nw, Elk River, MN last sell?

20685 Concord St Nw, Elk River, MN last sold on Jun 23, 1997 for $106,000, according to the county's recorded deed.

How big is 20685 Concord St Nw, Elk River, MN?

20685 Concord St Nw, Elk River, MN has 2 bedrooms, 2 bathrooms, 1,650 square feet of living space and a 5.00-acre lot.

When was 20685 Concord St Nw, Elk River, MN built?

20685 Concord St Nw, Elk River, MN was built in 1983, making it 43 years old. It is a split foyer home. The building has 4 stories.

What schools serve 20685 Concord St Nw, Elk River, MN?

20685 Concord St Nw, Elk River, MN is assigned to Meadowvale Elementary School (elementary), rated A-; VandenBerge Middle School (middle), rated B; Elk River High School (high), rated A. All sit in Elk River Area Isd 728. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20685 Concord St Nw, Elk River, MN compare to other homes in Elk River 55330?

Among the 16,054 homes in Elk River 55330, it is worth more than 49% of them ($268,592 against a typical $271,344), its price per square foot is higher than 25% of them ($163 against a typical $196), it is bigger than 72% of them (1,650 ft² against a typical 1,324 ft²), its lot is bigger than 93% of them (5 ac against a typical 0.39 ac) and it is newer than 21% of them (1983 against a typical 2000). Measured against all of Sherburne County, it is worth more than 56% 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 20685 Concord St Nw, Elk River, MN?

The 2025 property tax bill for 20685 Concord St Nw, Elk River, MN was $6,888. The county assessed it at $1,000.

Closest homes

More homes in Elk River 55330

Assigned schools

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