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Single Family ResidenceResidential
$171,354$132 / 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 92How 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

302 RIVER ST

PAYNESVILLE, MN 56362
3
Beds
2
Baths
1,303 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1886
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$171K
$157K low$186K 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.$171,354
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$137,083

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,876 (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.$246,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$223,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$242,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$246,600

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
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.
42
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
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.1990
Lot (acres)The size of the land the home sits on, from county records.0.14
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.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

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
Paynesville Area Elementary SchoolA-
Elementary · Grades PK–5 · 0.3 mi
M
Paynesville Area Secondary SchoolA-
Middle · Grades 6–12 · 0.7 mi

District: Paynesville Public School District

Neighborhood · ZIP 56362These 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.157
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 100.13

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.80%
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.5.6%
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.6,547
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.43 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,740
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,467
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.55%

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

302 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.

  • Worth less than 67% of homes in Stearns County
  • Costs less per square foot than 68% of homes in Stearns County
  • Has a smaller lot than 95% of homes in Paynesville 56362
  • Among the oldest homes in Paynesville 56362

What homes are worth in Paynesville 56362

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

This home
$76K$620K

This home is worth more than 34% of homes in Paynesville 56362.

How it measures up in Paynesville 56362

The dot is this home. The mark in the middle is the typical home in Paynesville 56362.

Estimated value$171,354
CheaperTypical $214,354Pricier

Pricier than 34% of homes nearby

Price per ft²$132
CheaperTypical $149Pricier

Pricier than 38% of homes nearby

Living area1,303 ft²
SmallerTypical 1,377 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.14 ac
SmallerTypical 0.61 acBigger

Bigger than 5% of homes nearby

Year built1886
OlderTypical 1975Newer

Older than almost all homes nearby

How 302 River St ranks against every home in each area.
MeasureThis homePaynesville 56362Stearns County
Estimated valuepricier than$171,35434% of homes33% of homes
Price per ft²pricier than$13238% of homes32% of homes
Living areabigger than1,303 ft²44% of homes47% of homes
Lot sizebigger than0.14 ac5% of homes10% of homes
Year builtnewer than1886almost no homesalmost no homes

About 302 River St

How much is 302 River St, Paynesville, MN worth?

The TopHap Estimate for 302 River St, Paynesville, MN is $171,354 as of Jul 14, 2026. The likely range is $156,950 to $185,758. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 302 River St, Paynesville, MN last sell?

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

How big is 302 River St, Paynesville, MN?

302 River St, Paynesville, MN has 3 bedrooms, 2 bathrooms, 1,303 square feet of living space and a 0.14-acre lot.

When was 302 River St, Paynesville, MN built?

302 River St, Paynesville, MN was built in 1886, making it 140 years old. It is a ranch home. The building has 1 story.

What schools serve 302 River St, Paynesville, MN?

302 River St, Paynesville, MN is assigned to Paynesville Area Elementary School (elementary), rated A-; Paynesville Area Secondary School (middle), rated A-. All sit in Paynesville Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 302 River St, Paynesville, MN compare to other homes in Paynesville 56362?

Among the 3,026 homes in Paynesville 56362, it is worth more than 34% of them ($171,354 against a typical $214,354), its price per square foot is higher than 38% of them ($132 against a typical $149), it is bigger than 44% of them (1,303 ft² against a typical 1,377 ft²), its lot is bigger than 5% of them (0.14 ac against a typical 0.61 ac) and it is newer than almost none of them (1886 against a typical 1975). Measured against all of Stearns County, it is worth more than 33% 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 302 River St, Paynesville, MN?

The 2026 property tax bill for 302 River St, Paynesville, MN was $2,876. The county assessed it at $246,600.

Closest homes

More homes in Paynesville 56362

Assigned schools

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