Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$156,182$186 / 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 78How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

28 W ELM ST

SAINT JOSEPH, MN 56374
3
Beds
0
Baths
840 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.
2017
Year BuiltThe year the home was originally built, according to county records.

Valuation

$156K
$122K low$190K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$304 (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.$23,200 (2026)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$23,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$22,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$23,200

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
34
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
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.
24
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.6 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.Single Family Residence
CountySTEARNS
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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 · 70 ft²

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 · 2.0 mi
H
Apollo High SchoolD+
High · Grades 9–12 · 5.3 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%

Owner Tools

Do you own this home?
Claim this home

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

28 W Elm 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 98% of homes in Saint Joseph 56374
  • Costs less per square foot than 88% of homes in Saint Joseph 56374
  • Smaller than 96% of homes in Saint Joseph 56374
  • Newer than 96% of homes in Stearns County

What homes are worth in Saint Joseph 56374

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

This home
$165K$783K

This home is worth more than 2% 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.

Estimated value$156,182
CheaperTypical $319,900Pricier

Pricier than 2% of homes nearby

Price per ft²$186
CheaperTypical $253Pricier

Pricier than 12% of homes nearby

Living area840 ft²
SmallerTypical 1,288 ft²Bigger

Bigger than 4% of homes nearby

Year built2017
OlderTypical 1990Newer

Newer than 94% of homes nearby

How 28 W Elm St ranks against every home in each area.
MeasureThis homeSaint Joseph 56374Stearns County
Estimated valuepricier than$156,1822% of homes8% of homes
Price per ft²pricier than$18612% of homes32% of homes
Living areabigger than840 ft²4% of homes5% of homes
Year builtnewer than201794% of homes96% of homes

About 28 W Elm St

How much is 28 W Elm St, Saint Joseph, MN worth?

The TopHap Estimate for 28 W Elm St, Saint Joseph, MN is $156,182 as of Sep 24, 2026. The likely range is $121,899 to $190,465. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28 W Elm St, Saint Joseph, MN last sell?

28 W Elm St, Saint Joseph, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 28 W Elm St, Saint Joseph, MN?

28 W Elm St, Saint Joseph, MN has 3 bedrooms and 840 square feet of living space.

When was 28 W Elm St, Saint Joseph, MN built?

28 W Elm St, Saint Joseph, MN was built in 2017, making it 9 years old.

What schools serve 28 W Elm St, Saint Joseph, MN?

28 W Elm 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 28 W Elm St, Saint Joseph, MN compare to other homes in Saint Joseph 56374?

Among the 3,165 homes in Saint Joseph 56374, it is worth more than 2% of them ($156,182 against a typical $319,900), its price per square foot is higher than 12% of them ($186 against a typical $253), it is bigger than 4% of them (840 ft² against a typical 1,288 ft²) and it is newer than 94% of them (2017 against a typical 1990). Measured against all of Stearns County, it is worth more than 8% 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 28 W Elm St, Saint Joseph, MN?

The 2025 property tax bill for 28 W Elm St, Saint Joseph, MN was $304. The county assessed it at $23,200.

More homes on W Elm St

Closest homes

More homes in Saint Joseph 56374

Assigned schools

Explore the area

See this home in context

Open 28 W Elm St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map