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Single Family ResidenceResidential
$348,128$224 / 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 82How 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 $208,000 on Dec 6, 1999

3003 RIVER RD SE

SAINT CLOUD, MN 56304
3
Beds
3
Baths
1,552 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.
8 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.

Valuation

$348K
$286K low$410K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$208,000 · Dec 6, 1999
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.$290,691
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$232,553
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.17%
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.$32,437
LIBERTY BANK FOR SAVINGS · recorded Apr 23, 2013
2nd 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.$25,000
LIBERTY BANK FOR SAVINGS

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,002 (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.$505,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$178,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$326,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$494,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$505,400

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.104 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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountySHERBURNE
Lot (acres)The size of the land the home sits on, from county records.8.00
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
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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 · 64 ft²Porch · 292 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
Clearview Elementary SchoolB-
Elementary · Grades PK–5 · 4.9 mi
H
Tech High SchoolD+
High · Grades 9–12 · 6.1 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 6.2 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%

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

3003 River Rd 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 88% of homes in Saint Cloud 56304
  • Bigger than 81% of homes in Sherburne County
  • Has a bigger lot than 94% of homes in Saint Cloud 56304
  • Newer than 82% 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
$85K$500K

This home is worth more than 88% 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$348,128
CheaperTypical $193,214Pricier

Pricier than 88% of homes nearby

Price per ft²$224
CheaperTypical $204Pricier

Pricier than 62% of homes nearby

Living area1,552 ft²
SmallerTypical 1,421 ft²Bigger

Bigger than 64% of homes nearby

Lot size8 ac
SmallerTypical 0.28 acBigger

Bigger than 94% of homes nearby

Year built1996
OlderTypical 1980Newer

Newer than 82% of homes nearby

How 3003 River Rd Se ranks against every home in each area.
MeasureThis homeSaint Cloud 56304Sherburne County
Estimated valuepricier than$348,12888% of homes79% of homes
Price per ft²pricier than$22462% of homes62% of homes
Living areabigger than1,552 ft²64% of homes81% of homes
Lot sizebigger than8 ac94% of homes93% of homes
Year builtnewer than199682% of homes47% of homes

About 3003 River Rd Se

How much is 3003 River Rd Se, Saint Cloud, MN worth?

The TopHap Estimate for 3003 River Rd Se, Saint Cloud, MN is $348,128 as of Jul 14, 2026. The likely range is $286,185 to $410,071. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3003 River Rd Se, Saint Cloud, MN last sell?

3003 River Rd Se, Saint Cloud, MN last sold on Dec 6, 1999 for $208,000, according to the county's recorded deed.

How big is 3003 River Rd Se, Saint Cloud, MN?

3003 River Rd Se, Saint Cloud, MN has 3 bedrooms, 3 bathrooms, 1,552 square feet of living space and a 8.00-acre lot.

When was 3003 River Rd Se, Saint Cloud, MN built?

3003 River Rd Se, Saint Cloud, MN was built in 1996, making it 30 years old. It is a ranch home.

What schools serve 3003 River Rd Se, Saint Cloud, MN?

3003 River Rd Se, Saint Cloud, MN is assigned to Clearview Elementary School (elementary), rated B-; Tech High School (high), rated D+; South Junior High School (middle), rated D+. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3003 River Rd 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 88% of them ($348,128 against a typical $193,214), its price per square foot is higher than 62% of them ($224 against a typical $204), it is bigger than 64% of them (1,552 ft² against a typical 1,421 ft²), its lot is bigger than 94% of them (8 ac against a typical 0.28 ac) and it is newer than 82% of them (1996 against a typical 1980). Measured against all of Sherburne County, it is worth more than 79% 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 3003 River Rd Se, Saint Cloud, MN?

The 2025 property tax bill for 3003 River Rd Se, Saint Cloud, MN was $4,002. The county assessed it at $505,400.

More homes on River Rd Se

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