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Single Family ResidenceResidential
$396,388$208 / 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 88How 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

3143 RIVER RD SE

SAINT CLOUD, MN 56304
3
Beds
3 / 1
Baths
1,903 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.
6.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.

Valuation

$396K
$349K low$443K 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.$121,388
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$97,110
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.72%
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.$200,000
US BANK NA · recorded Jan 4, 2017
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.$75,000
US BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,156 (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.$617,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$214,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$402,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$609,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$617,200

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.187 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountySHERBURNE
Lot (acres)The size of the land the home sits on, from county records.6.90
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 · 205 ft²Porch · 264 ft²

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 · 4.8 mi
H
Tech High SchoolD+
High · Grades 9–12 · 6.2 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 6.4 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

3143 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 93% of homes in Saint Cloud 56304
  • Bigger than 94% of homes in Sherburne County
  • Has a bigger lot than 94% of homes in Saint Cloud 56304
  • Newer than 73% 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
$82K$506K

This home is worth more than 93% 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$396,388
CheaperTypical $193,194Pricier

Pricier than 93% of homes nearby

Price per ft²$208
CheaperTypical $204Pricier

Pricier than 52% of homes nearby

Living area1,903 ft²
SmallerTypical 1,414 ft²Bigger

Bigger than 85% of homes nearby

Lot size6.9 ac
SmallerTypical 0.28 acBigger

Bigger than 94% of homes nearby

Year built1992
OlderTypical 1980Newer

Newer than 73% of homes nearby

How 3143 River Rd Se ranks against every home in each area.
MeasureThis homeSaint Cloud 56304Sherburne County
Estimated valuepricier than$396,38893% of homes87% of homes
Price per ft²pricier than$20852% of homes52% of homes
Living areabigger than1,903 ft²85% of homes94% of homes
Lot sizebigger than6.9 ac94% of homes92% of homes
Year builtnewer than199273% of homes37% of homes

About 3143 River Rd Se

How much is 3143 River Rd Se, Saint Cloud, MN worth?

The TopHap Estimate for 3143 River Rd Se, Saint Cloud, MN is $396,388 as of Jul 14, 2026. The likely range is $349,356 to $443,420. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3143 River Rd Se, Saint Cloud, MN last sell?

3143 River Rd Se, Saint Cloud, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3143 River Rd Se, Saint Cloud, MN?

3143 River Rd Se, Saint Cloud, MN has 3 bedrooms, 3 bathrooms, 1,903 square feet of living space and a 6.90-acre lot.

When was 3143 River Rd Se, Saint Cloud, MN built?

3143 River Rd Se, Saint Cloud, MN was built in 1992, making it 34 years old. It is a ranch home.

What schools serve 3143 River Rd Se, Saint Cloud, MN?

3143 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 3143 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 93% of them ($396,388 against a typical $193,194), its price per square foot is higher than 52% of them ($208 against a typical $204), it is bigger than 85% of them (1,903 ft² against a typical 1,414 ft²), its lot is bigger than 94% of them (6.9 ac against a typical 0.28 ac) and it is newer than 73% of them (1992 against a typical 1980). Measured against all of Sherburne County, it is worth more than 87% 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 3143 River Rd Se, Saint Cloud, MN?

The 2025 property tax bill for 3143 River Rd Se, Saint Cloud, MN was $5,156. The county assessed it at $617,200.

Closest homes

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Assigned schools

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