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Single Family ResidenceResidential
$416,023$331 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $22,100 on Jan 5, 2000

2103 45TH ST SE

SAINT CLOUD, MN 56304
4
Beds
0
Baths
1,258 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.
2.55 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$416K
$357K low$475K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$22,100 · Jan 5, 2000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,996 (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.$482,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$125,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$357,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$481,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$482,300

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Modular
CountySHERBURNE
Lot (acres)The size of the land the home sits on, from county records.2.55
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
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Wet barDeck · 254 ft²Porch · 173 ft²

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

M
South Junior High SchoolD+
Middle · Grades 6–8 · 3.8 mi
H
Tech High SchoolD+
High · Grades 9–12 · 4.5 mi
E
Clearview Elementary SchoolB-
Elementary · Grades PK–5 · 6.9 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56304These 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.158
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

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.92%
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.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.17,136
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.282 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,772
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,290
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.58%

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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

2103 45th St Se 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 91% of homes in Saint Cloud 56304
  • Costs more per square foot than 87% of homes in Saint Cloud 56304
  • Smaller than 67% of homes in Saint Cloud 56304
  • Has a bigger lot than 87% of homes in Saint Cloud 56304
  • Newer than 86% of homes in Saint Cloud 56304

What homes are worth in Saint Cloud 56304

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

This home
$90K$550K

This home is worth more than 91% of homes in Saint Cloud 56304.

How it measures up in Saint Cloud 56304

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56304.

Estimated value$416,023
CheaperTypical $206,024Pricier

Pricier than 91% of homes nearby

Price per ft²$331
CheaperTypical $238Pricier

Pricier than 87% of homes nearby

Living area1,258 ft²
SmallerTypical 1,421 ft²Bigger

Bigger than 33% of homes nearby

Lot size2.55 ac
SmallerTypical 0.28 acBigger

Bigger than 87% of homes nearby

Year built1999
OlderTypical 1980Newer

Newer than 86% of homes nearby

How 2103 45th St Se ranks against every home in each area.
MeasureThis homeSaint Cloud 56304Sherburne County
Estimated valuepricier than$416,02391% of homes83% of homes
Price per ft²pricier than$33187% of homes85% of homes
Living areabigger than1,258 ft²33% of homes57% of homes
Lot sizebigger than2.55 ac87% of homes75% of homes
Year builtnewer than199986% of homes57% of homes

About 2103 45th St Se

How much is 2103 45th St Se, Saint Cloud, MN worth?

The TopHap Estimate for 2103 45th St Se, Saint Cloud, MN is $416,023 as of Aug 30, 2026. The likely range is $356,943 to $475,103. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2103 45th St Se, Saint Cloud, MN last sell?

2103 45th St Se, Saint Cloud, MN last sold on Jan 5, 2000 for $22,100, according to the county's recorded deed.

How big is 2103 45th St Se, Saint Cloud, MN?

2103 45th St Se, Saint Cloud, MN has 4 bedrooms, 1,258 square feet of living space and a 2.55-acre lot.

When was 2103 45th St Se, Saint Cloud, MN built?

2103 45th St Se, Saint Cloud, MN was built in 1999, making it 27 years old. It is a modular home. The building has 2 stories.

What schools serve 2103 45th St Se, Saint Cloud, MN?

2103 45th St Se, Saint Cloud, MN is assigned to South Junior High School (middle), rated D+; Tech High School (high), rated D+; Clearview Elementary School (elementary), rated B-. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2103 45th St Se, Saint Cloud, MN compare to other homes in Saint Cloud 56304?

Among the 4,131 homes in Saint Cloud 56304, it is worth more than 91% of them ($416,023 against a typical $206,024), its price per square foot is higher than 87% of them ($331 against a typical $238), it is bigger than 33% of them (1,258 ft² against a typical 1,421 ft²), its lot is bigger than 87% of them (2.55 ac against a typical 0.28 ac) and it is newer than 86% of them (1999 against a typical 1980). Measured against all of Sherburne County, it is worth more than 83% 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 2103 45th St Se, Saint Cloud, MN?

The 2025 property tax bill for 2103 45th St Se, Saint Cloud, MN was $3,996. The county assessed it at $482,300.

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