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Single Family ResidenceResidential
$88,673
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 92How 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 $38,460 on Oct 2, 2009

3989 MAIN ST

KETTLE RIVER, MN 55757
0
Baths

Valuation

$89K
$81K low$96K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$38,460 · Oct 2, 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.$40,173
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,138
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.66%
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.$48,500
NORTHWOODS CREDIT UNION · 8.5% 2 · recorded Oct 2, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$878 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$75,400 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$66,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$72,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$75,400

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCarlton
HeatingThe type of heating system in the home.None

Transaction History(3)

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.

M
Moose Lake Secondary SchoolB-
Middle · Grades 7–12 · 6.8 mi
E
Moose Lake Elementary SchoolB-
Elementary · Grades PK–6 · 6.8 mi

District: Moose Lake Public School District

Neighborhood · ZIP 55757These 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.178
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

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.78%
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.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,007
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.9 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,308
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,486
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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

3989 Main 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.

  • Worth less than 97% of homes in Carlton County

What homes are worth in Kettle River 55757

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

This home
$46K$452K

This home is worth more than 11% of homes in Kettle River 55757.

How it measures up in Kettle River 55757

The dot is this home. The mark in the middle is the typical home in Kettle River 55757.

Estimated value$88,673
CheaperTypical $154,608Pricier

Pricier than 11% of homes nearby

How 3989 Main St ranks against every home in each area.
MeasureThis homeKettle River 55757Carlton County
Estimated valuepricier than$88,67311% of homes3% of homes

About 3989 Main St

How much is 3989 Main St, Kettle River, MN worth?

The TopHap Estimate for 3989 Main St, Kettle River, MN is $88,673 as of Jul 14, 2026. The likely range is $81,452 to $95,894. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3989 Main St, Kettle River, MN last sell?

3989 Main St, Kettle River, MN last sold on Oct 2, 2009 for $38,460, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

What schools serve 3989 Main St, Kettle River, MN?

3989 Main St, Kettle River, MN is assigned to Moose Lake Secondary School (middle), rated B-; Moose Lake Elementary School (elementary), rated B-. All sit in Moose Lake Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

What are the property taxes on 3989 Main St, Kettle River, MN?

The 2024 property tax bill for 3989 Main St, Kettle River, MN was $878. The county assessed it at $75,400.

Closest homes

More homes in Kettle River 55757

Assigned schools

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See this home in context

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