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Single Family ResidenceResidential
$197,197$171 / 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 85How 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

305 3RD ST SW

RICHMOND, MN 56368
2
Beds
2.5
Baths
1,156 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.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
13
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$197K
$168K low$227K 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.$197,197
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$157,758

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,872 (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.$374,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$85,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$289,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$360,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$374,400

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.42
56
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
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.
50
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.115 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.1 percent flood zone

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.1988
Lot (acres)The size of the land the home sits on, from county records.0.52
ConstructionThe main material the home's frame and walls are built from.Tilt-Up Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Neighborhood · ZIP 56368These 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.133
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 100.13

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.8%
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.5,297
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.69 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,544
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,517
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.Absentee owner
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

305 3rd St Sw 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 73% of homes in Richmond 56368
  • Smaller than 68% of homes in Stearns County

What homes are worth in Richmond 56368

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

This home
$91K$737K

This home is worth more than 27% of homes in Richmond 56368.

How it measures up in Richmond 56368

The dot is this home. The mark in the middle is the typical home in Richmond 56368.

Estimated value$197,197
CheaperTypical $270,940Pricier

Pricier than 27% of homes nearby

Price per ft²$171
CheaperTypical $192Pricier

Pricier than 39% of homes nearby

Living area1,156 ft²
SmallerTypical 1,298 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.52 ac
SmallerTypical 0.55 acBigger

Bigger than 49% of homes nearby

Year built1984
OlderTypical 1979Newer

Newer than 56% of homes nearby

How 305 3rd St Sw ranks against every home in each area.
MeasureThis homeRichmond 56368Stearns County
Estimated valuepricier than$197,19727% of homes45% of homes
Price per ft²pricier than$17139% of homes62% of homes
Living areabigger than1,156 ft²37% of homes32% of homes
Lot sizebigger than0.52 ac49% of homes60% of homes
Year builtnewer than198456% of homes52% of homes

About 305 3rd St Sw

How much is 305 3rd St Sw, Richmond, MN worth?

The TopHap Estimate for 305 3rd St Sw, Richmond, MN is $197,197 as of Jul 14, 2026. The likely range is $167,779 to $226,615. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 305 3rd St Sw, Richmond, MN last sell?

305 3rd St Sw, Richmond, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 305 3rd St Sw, Richmond, MN?

305 3rd St Sw, Richmond, MN has 2 bedrooms, 2.5 bathrooms, 1,156 square feet of living space and a 0.52-acre lot.

When was 305 3rd St Sw, Richmond, MN built?

305 3rd St Sw, Richmond, MN was built in 1984, making it 42 years old. It is a ranch home. The building has 1 story.

How does 305 3rd St Sw, Richmond, MN compare to other homes in Richmond 56368?

Among the 2,823 homes in Richmond 56368, it is worth more than 27% of them ($197,197 against a typical $270,940), its price per square foot is higher than 39% of them ($171 against a typical $192), it is bigger than 37% of them (1,156 ft² against a typical 1,298 ft²), its lot is bigger than 49% of them (0.52 ac against a typical 0.55 ac) and it is newer than 56% of them (1984 against a typical 1979). Measured against all of Stearns County, it is worth more than 45% 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 305 3rd St Sw, Richmond, MN?

The 2026 property tax bill for 305 3rd St Sw, Richmond, MN was $4,872. The county assessed it at $374,400.

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