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Single Family ResidenceResidential
$67,426$54 / 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 93How 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 $16,900 on Feb 16, 2009

322 RIVER ST

PAYNESVILLE, MN 56362
3
Beds
1
Baths
1,248 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.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$67K
$63K low$72K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$16,900 · Feb 16, 2009
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.$67,426
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$53,941

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,284 (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.$100,500 (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.$77,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$98,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$100,500

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.38
17
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.
57
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.
42
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.13 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.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
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.1950
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.Tilt-Up Concrete
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

322 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.

  • Among the least valuable homes in Stearns County
  • Among the lowest price per square foot in Stearns County
  • Has a smaller lot than 95% of homes in Paynesville 56362
  • Older than 98% of 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 less than almost all 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$67,426
CheaperTypical $214,354Pricier

Cheaper than almost all homes nearby

Price per ft²$54
CheaperTypical $149Pricier

Cheaper than almost all homes nearby

Living area1,248 ft²
SmallerTypical 1,377 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.14 ac
SmallerTypical 0.61 acBigger

Bigger than 5% of homes nearby

Year built1890
OlderTypical 1975Newer

Newer than 2% of homes nearby

How 322 River St ranks against every home in each area.
MeasureThis homePaynesville 56362Stearns County
Estimated valuepricier than$67,426almost no homesalmost no homes
Price per ft²pricier than$54almost no homesalmost no homes
Living areabigger than1,248 ft²39% of homes42% of homes
Lot sizebigger than0.14 ac5% of homes10% of homes
Year builtnewer than18902% of homes2% of homes

About 322 River St

How much is 322 River St, Paynesville, MN worth?

The TopHap Estimate for 322 River St, Paynesville, MN is $67,426 as of Jul 14, 2026. The likely range is $62,569 to $72,283. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 322 River St, Paynesville, MN last sell?

322 River St, Paynesville, MN last sold on Feb 16, 2009 for $16,900, according to the county's recorded deed.

How big is 322 River St, Paynesville, MN?

322 River St, Paynesville, MN has 3 bedrooms, 1 bathrooms, 1,248 square feet of living space and a 0.14-acre lot.

When was 322 River St, Paynesville, MN built?

322 River St, Paynesville, MN was built in 1890, making it 136 years old. The building has 2 stories.

What schools serve 322 River St, Paynesville, MN?

322 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 322 River St, Paynesville, MN compare to other homes in Paynesville 56362?

Among the 3,026 homes in Paynesville 56362, it is worth more than almost none of them ($67,426 against a typical $214,354), its price per square foot is higher than almost none of them ($54 against a typical $149), it is bigger than 39% of them (1,248 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 2% of them (1890 against a typical 1975). Measured against all of Stearns County, it is worth more than almost no 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 322 River St, Paynesville, MN?

The 2026 property tax bill for 322 River St, Paynesville, MN was $1,284. The county assessed it at $100,500.

Closest homes

More homes in Paynesville 56362

Assigned schools

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