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Single Family ResidenceResidential
$175,465$195 / 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 81How 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

402 ROOT RIVER ST SW

CHATFIELD, MN 55923
0
Baths
900 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.
1880
Year BuiltThe year the home was originally built, according to county records.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$175K
$142K low$209K 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.$49,465
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,572
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.70%
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.$126,000
DECISION ONE MORTGAGE CO LLC · recorded Oct 6, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,028 (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.$138,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$83,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$126,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$138,100

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.197 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.Conventional
CountyFillmore
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.1960
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central

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.

M
Chatfield Secondary SchoolA
Middle · Grades 7–12 · 1.1 mi
E
Chatfield Elementary SchoolA-
Elementary · Grades PK–6 · 1.7 mi

District: Chatfield Public Schools

Neighborhood · ZIP 55923These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.4,647
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.38 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$94,830
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,479
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.34 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.Absentee owner
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

402 Root River St Sw 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 86% of homes in Chatfield 55923
  • Costs more per square foot than 73% of homes in Fillmore County
  • Smaller than 95% of homes in Chatfield 55923
  • Older than 95% of homes in Chatfield 55923

What homes are worth in Chatfield 55923

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

This home
$119K$719K

This home is worth more than 14% of homes in Chatfield 55923.

How it measures up in Chatfield 55923

The dot is this home. The mark in the middle is the typical home in Chatfield 55923.

Estimated value$175,465
CheaperTypical $267,291Pricier

Pricier than 14% of homes nearby

Price per ft²$195
CheaperTypical $186Pricier

Pricier than 56% of homes nearby

Living area900 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 5% of homes nearby

Year built1880
OlderTypical 1976Newer

Newer than 5% of homes nearby

How 402 Root River St Sw ranks against every home in each area.
MeasureThis homeChatfield 55923Fillmore County
Estimated valuepricier than$175,46514% of homes38% of homes
Price per ft²pricier than$19556% of homes73% of homes
Living areabigger than900 ft²5% of homes8% of homes
Year builtnewer than18805% of homes6% of homes

About 402 Root River St Sw

How much is 402 Root River St Sw, Chatfield, MN worth?

The TopHap Estimate for 402 Root River St Sw, Chatfield, MN is $175,465 as of Jul 14, 2026. The likely range is $142,032 to $208,898. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When was 402 Root River St Sw, Chatfield, MN built?

402 Root River St Sw, Chatfield, MN was built in 1880, making it 146 years old. It is a conventional home.

What schools serve 402 Root River St Sw, Chatfield, MN?

402 Root River St Sw, Chatfield, MN is assigned to Chatfield Secondary School (middle), rated A; Chatfield Elementary School (elementary), rated A-. All sit in Chatfield Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 402 Root River St Sw, Chatfield, MN compare to other homes in Chatfield 55923?

Among the 1,711 homes in Chatfield 55923, it is worth more than 14% of them ($175,465 against a typical $267,291), its price per square foot is higher than 56% of them ($195 against a typical $186), it is bigger than 5% of them (900 ft² against a typical 1,456 ft²) and it is newer than 5% of them (1880 against a typical 1976). Measured against all of Fillmore County, it is worth more than 38% 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 402 Root River St Sw, Chatfield, MN?

The 2025 property tax bill for 402 Root River St Sw, Chatfield, MN was $2,028. The county assessed it at $138,100.

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