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Rural ResidenceResidential
$575,301$202 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $79,000 on Jun 10, 2009

3905 2ND ST SE

SAINT CLOUD, MN 56304
3
Beds
3
Baths
2,841 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.
28.21 ac
Lot SizeThe size of the land the home sits on, from county records.
2009
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$575K
$516K low$635K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$79,000 · Jun 10, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,500 (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.$785,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$129,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$655,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$746,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$785,800

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.45
65
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
46
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.32 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Rural Residence
CountyBENTON
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.2011
Lot (acres)The size of the land the home sits on, from county records.28.21
RoofThe main material covering the roof, such as asphalt shingle or tile.Asbestos
HeatingThe type of heating system in the home.Radiant
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 320 ft²

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.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Sauk Rapids-Rice High SchoolB-
High · Grades 9–12 · 3.6 mi
E
Mississippi Heights Elementary SchoolB-
Elementary · Grades KG–5 · 3.6 mi
M
Sauk Rapids-Rice Middle SchoolC
Middle · Grades 6–8 · 3.9 mi

District: Sauk Rapids-Rice Public Schools

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%

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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

3905 2nd St 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 96% of homes in Saint Cloud 56304
  • Costs less per square foot than 87% of homes in Saint Cloud 56304
  • Bigger than 98% of homes in Saint Cloud 56304
  • Has a bigger lot than 98% of homes in Saint Cloud 56304
  • Newer than 96% 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
$112K$655K

This home is worth more than 96% 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$575,301
CheaperTypical $242,542Pricier

Pricier than 96% of homes nearby

Price per ft²$202
CheaperTypical $277Pricier

Pricier than 13% of homes nearby

Living area2,841 ft²
SmallerTypical 1,422 ft²Bigger

Bigger than 98% of homes nearby

Lot size28.21 ac
SmallerTypical 0.28 acBigger

Bigger than 98% of homes nearby

Year built2009
OlderTypical 1980Newer

Newer than 96% of homes nearby

How 3905 2nd St Se ranks against every home in each area.
MeasureThis homeSaint Cloud 56304Benton County
Estimated valuepricier than$575,30196% of homes95% of homes
Price per ft²pricier than$20213% of homes32% of homes
Living areabigger than2,841 ft²98% of homes97% of homes
Lot sizebigger than28.21 ac98% of homes91% of homes
Year builtnewer than200996% of homes89% of homes

About 3905 2nd St Se

How much is 3905 2nd St Se, Saint Cloud, MN worth?

The TopHap Estimate for 3905 2nd St Se, Saint Cloud, MN is $575,301 as of Sep 24, 2026. The likely range is $515,819 to $634,783. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3905 2nd St Se, Saint Cloud, MN last sell?

3905 2nd St Se, Saint Cloud, MN last sold on Jun 10, 2009 for $79,000, according to the county's recorded deed.

How big is 3905 2nd St Se, Saint Cloud, MN?

3905 2nd St Se, Saint Cloud, MN has 3 bedrooms, 3 bathrooms, 2,841 square feet of living space and a 28.21-acre lot.

When was 3905 2nd St Se, Saint Cloud, MN built?

3905 2nd St Se, Saint Cloud, MN was built in 2009, making it 17 years old. The building has 1 story.

What schools serve 3905 2nd St Se, Saint Cloud, MN?

3905 2nd St Se, Saint Cloud, MN is assigned to Sauk Rapids-Rice High School (high), rated B-; Mississippi Heights Elementary School (elementary), rated B-; Sauk Rapids-Rice Middle School (middle), rated C. All sit in Sauk Rapids-Rice Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3905 2nd St Se, Saint Cloud, MN compare to other homes in Saint Cloud 56304?

Among the 4,201 homes in Saint Cloud 56304, it is worth more than 96% of them ($575,301 against a typical $242,542), its price per square foot is higher than 13% of them ($202 against a typical $277), it is bigger than 98% of them (2,841 ft² against a typical 1,422 ft²), its lot is bigger than 98% of them (28.21 ac against a typical 0.28 ac) and it is newer than 96% of them (2009 against a typical 1980). Measured against all of Benton County, it is worth more than 95% 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 3905 2nd St Se, Saint Cloud, MN?

The 2026 property tax bill for 3905 2nd St Se, Saint Cloud, MN was $7,500. The county assessed it at $785,800.

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