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Single Family ResidenceResidential
$204,800$167 / 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 94How 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 $164,000 on May 4, 2017

435 SPRUCE AVE S

THIEF RIVER FALLS, MN 56701
0
Baths
1,229 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.

Valuation

$205K
$191K low$218K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$164,000 · May 4, 2017
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.$49,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,200
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.72%
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.$155,800
BORDER STATE BANK · recorded May 4, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,162 (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.$206,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$186,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$206,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$206,100

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
42
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
41
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyPENNINGTON
Lot (acres)The size of the land the home sits on, from county records.0.18
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Franklin Middle SchoolC+
Middle · Grades 6–8 · 0.1 mi
H
Lincoln Senior High SchoolC
High · Grades 9–12 · 1.0 mi
E
Challenger Elementary SchoolC+
Elementary · Grades PK–5 · 1.3 mi

District: Thief River Falls School District

Neighborhood · ZIP 56701These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.6

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.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.11,683
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,770
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,915
Average tempThe average temperature here across a full year.39°F
Annual precipHow much rain and melted snow falls here in a typical year.22 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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

435 Spruce Ave 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.

  • Costs more per square foot than 81% of homes in Thief River Falls 56701
  • Has a smaller lot than 73% of homes in Thief River Falls 56701

What homes are worth in Thief River Falls 56701

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

This home
$35K$430K

This home is worth more than 62% of homes in Thief River Falls 56701.

How it measures up in Thief River Falls 56701

The dot is this home. The mark in the middle is the typical home in Thief River Falls 56701.

Estimated value$204,800
CheaperTypical $173,110Pricier

Pricier than 62% of homes nearby

Price per ft²$167
CheaperTypical $128Pricier

Pricier than 81% of homes nearby

Living area1,229 ft²
SmallerTypical 1,336 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.18 ac
SmallerTypical 0.34 acBigger

Bigger than 27% of homes nearby

Year built1969
OlderTypical 1969Newer

Newer than 51% of homes nearby

How 435 Spruce Ave S ranks against every home in each area.
MeasureThis homeThief River Falls 56701
Estimated valuepricier than$204,80062% of homes
Price per ft²pricier than$16781% of homes
Living areabigger than1,229 ft²41% of homes
Lot sizebigger than0.18 ac27% of homes
Year builtnewer than196951% of homes

About 435 Spruce Ave S

How much is 435 Spruce Ave S, Thief River Falls, MN worth?

The TopHap Estimate for 435 Spruce Ave S, Thief River Falls, MN is $204,800 as of Jul 14, 2026. The likely range is $191,497 to $218,103. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Spruce Ave S, Thief River Falls, MN last sell?

435 Spruce Ave S, Thief River Falls, MN last sold on May 4, 2017 for $164,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 435 Spruce Ave S, Thief River Falls, MN?

435 Spruce Ave S, Thief River Falls, MN has 1,229 square feet of living space and a 0.18-acre lot.

When was 435 Spruce Ave S, Thief River Falls, MN built?

435 Spruce Ave S, Thief River Falls, MN was built in 1969, making it 57 years old.

What schools serve 435 Spruce Ave S, Thief River Falls, MN?

435 Spruce Ave S, Thief River Falls, MN is assigned to Franklin Middle School (middle), rated C+; Lincoln Senior High School (high), rated C; Challenger Elementary School (elementary), rated C+. All sit in Thief River Falls School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 Spruce Ave S, Thief River Falls, MN compare to other homes in Thief River Falls 56701?

Among the 4,883 homes in Thief River Falls 56701, it is worth more than 62% of them ($204,800 against a typical $173,110), its price per square foot is higher than 81% of them ($167 against a typical $128), it is bigger than 41% of them (1,229 ft² against a typical 1,336 ft²), its lot is bigger than 27% of them (0.18 ac against a typical 0.34 ac) and it is newer than 51% of them (1969 against a typical 1969). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 435 Spruce Ave S, Thief River Falls, MN?

The 2026 property tax bill for 435 Spruce Ave S, Thief River Falls, MN was $3,162. The county assessed it at $206,100.

Closest homes

More homes in Thief River Falls 56701

Assigned schools

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