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Single Family ResidenceResidential
$362,611$216 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

3312 40TH ST S

SAINT CLOUD, MN 56301
3
Beds
2
Baths
1,682 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.
6.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
4
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$363K
$345K low$380K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,592 (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.$355,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$275,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$355,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$355,100

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.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
46
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.6.69
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
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.

H
Tech High SchoolD+
High · Grades 9–12 · 0.9 mi
E
Oak Hill Community SchoolD+
Elementary · Grades PK–5 · 2.3 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 3.6 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56301These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.94%
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.1.0%
PopulationHow many people live in this area.35,971
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.466 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,282
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,216
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%

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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

3312 40th St S 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 80% of homes in Saint Cloud 56301
  • Costs more per square foot than 78% of homes in Saint Cloud 56301
  • Bigger than 72% of homes in Stearns County
  • Has a bigger lot than 94% of homes in Saint Cloud 56301

What homes are worth in Saint Cloud 56301

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

This home
$92K$621K

This home is worth more than 80% of homes in Saint Cloud 56301.

How it measures up in Saint Cloud 56301

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56301.

Estimated value$362,611
CheaperTypical $243,392Pricier

Pricier than 80% of homes nearby

Price per ft²$216
CheaperTypical $170Pricier

Pricier than 78% of homes nearby

Living area1,682 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 68% of homes nearby

Lot size6.69 ac
SmallerTypical 0.35 acBigger

Bigger than 94% of homes nearby

Year built1986
OlderTypical 1984Newer

Newer than 54% of homes nearby

How 3312 40th St S ranks against every home in each area.
MeasureThis homeSaint Cloud 56301Stearns County
Estimated valuepricier than$362,61180% of homes79% of homes
Price per ft²pricier than$21678% of homes71% of homes
Living areabigger than1,682 ft²68% of homes72% of homes
Lot sizebigger than6.69 ac94% of homes87% of homes
Year builtnewer than198654% of homes55% of homes

About 3312 40th St S

How much is 3312 40th St S, Saint Cloud, MN worth?

The TopHap Estimate for 3312 40th St S, Saint Cloud, MN is $362,611 as of Aug 30, 2026. The likely range is $344,847 to $380,375. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3312 40th St S, Saint Cloud, MN last sell?

3312 40th St S, Saint Cloud, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3312 40th St S, Saint Cloud, MN?

3312 40th St S, Saint Cloud, MN has 3 bedrooms, 2 bathrooms, 1,682 square feet of living space and a 6.69-acre lot.

When was 3312 40th St S, Saint Cloud, MN built?

3312 40th St S, Saint Cloud, MN was built in 1986, making it 40 years old. The building has 4 stories.

What schools serve 3312 40th St S, Saint Cloud, MN?

3312 40th St S, Saint Cloud, MN is assigned to Tech High School (high), rated D+; Oak Hill Community School (elementary), 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 3312 40th St S, Saint Cloud, MN compare to other homes in Saint Cloud 56301?

Among the 8,413 homes in Saint Cloud 56301, it is worth more than 80% of them ($362,611 against a typical $243,392), its price per square foot is higher than 78% of them ($216 against a typical $170), it is bigger than 68% of them (1,682 ft² against a typical 1,400 ft²), its lot is bigger than 94% of them (6.69 ac against a typical 0.35 ac) and it is newer than 54% of them (1986 against a typical 1984). Measured against all of Stearns 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 3312 40th St S, Saint Cloud, MN?

The 2026 property tax bill for 3312 40th St S, Saint Cloud, MN was $3,592. The county assessed it at $355,100.

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