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Single Family ResidenceResidential
$193,874$170 / 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 Aug 30, 2026

404 SPRUCE ST

FERGUS FALLS, MN 56537
3
Beds
2
Baths
1,140 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$194K
$174K low$214K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,882 (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.$186,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$173,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$180,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$186,000

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
22
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
40
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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.3 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.A-Frame
CountyOTTER TAIL
Lot (acres)The size of the land the home sits on, from county records.0.16
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
Iq Academy 9-12C-
Elementary · Grades 9–12 · 0.6 mi

District: Fergus Falls Public School District

Neighborhood · ZIP 56537These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

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.90%
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.7.3%
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.19,451
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.64 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,087
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,018
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

404 Spruce 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 77% of homes in Otter Tail County
  • Costs less per square foot than 89% of homes in Fergus Falls 56537
  • Has a smaller lot than 92% of homes in Otter Tail County
  • Older than 72% of homes in Otter Tail County

What homes are worth in Fergus Falls 56537

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

This home
$106K$636K

This home is worth more than 29% of homes in Fergus Falls 56537.

How it measures up in Fergus Falls 56537

The dot is this home. The mark in the middle is the typical home in Fergus Falls 56537.

Estimated value$193,874
CheaperTypical $258,046Pricier

Pricier than 29% of homes nearby

Price per ft²$170
CheaperTypical $245Pricier

Pricier than 11% of homes nearby

Living area1,140 ft²
SmallerTypical 1,040 ft²Bigger

Bigger than 58% of homes nearby

Lot size0.16 ac
SmallerTypical 0.36 acBigger

Bigger than 16% of homes nearby

Year built1957
OlderTypical 1967Newer

Newer than 40% of homes nearby

How 404 Spruce St ranks against every home in each area.
MeasureThis homeFergus Falls 56537Otter Tail County
Estimated valuepricier than$193,87429% of homes23% of homes
Price per ft²pricier than$17011% of homes11% of homes
Living areabigger than1,140 ft²58% of homes61% of homes
Lot sizebigger than0.16 ac16% of homes8% of homes
Year builtnewer than195740% of homes28% of homes

About 404 Spruce St

How much is 404 Spruce St, Fergus Falls, MN worth?

The TopHap Estimate for 404 Spruce St, Fergus Falls, MN is $193,874 as of Aug 30, 2026. The likely range is $173,916 to $213,832. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 404 Spruce St, Fergus Falls, MN last sell?

404 Spruce St, Fergus Falls, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 404 Spruce St, Fergus Falls, MN?

404 Spruce St, Fergus Falls, MN has 3 bedrooms, 2 bathrooms, 1,140 square feet of living space and a 0.16-acre lot.

When was 404 Spruce St, Fergus Falls, MN built?

404 Spruce St, Fergus Falls, MN was built in 1957, making it 69 years old. It is a a-frame home. The building has 1 story.

What schools serve 404 Spruce St, Fergus Falls, MN?

404 Spruce St, Fergus Falls, MN is assigned to Iq Academy 9-12 (elementary), rated C-. All sit in Fergus Falls Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 404 Spruce St, Fergus Falls, MN compare to other homes in Fergus Falls 56537?

Among the 8,854 homes in Fergus Falls 56537, it is worth more than 29% of them ($193,874 against a typical $258,046), its price per square foot is higher than 11% of them ($170 against a typical $245), it is bigger than 58% of them (1,140 ft² against a typical 1,040 ft²), its lot is bigger than 16% of them (0.16 ac against a typical 0.36 ac) and it is newer than 40% of them (1957 against a typical 1967). Measured against all of Otter Tail County, it is worth more than 23% 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 404 Spruce St, Fergus Falls, MN?

The 2026 property tax bill for 404 Spruce St, Fergus Falls, MN was $1,882. The county assessed it at $186,000.

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