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Single Family ResidenceResidential
$288,169$111 / 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 92How 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 $282,000 on Nov 13, 2025

440 WATER ST

FAIRMONT, MN 56031
4
Beds
1
Baths
2,597 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.
0.23 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.
2
StoriesHow many floors the home has above ground.

Valuation

$288K
$264K low$312K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$282,000 · Nov 13, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,166 (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.$297,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$270,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$359,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$297,000

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.29
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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
CountyMARTIN
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.1972
Lot (acres)The size of the land the home sits on, from county records.0.23
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.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.Deck

Transaction History(4)

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.

E
Fairmont Elementary SchoolD+
Elementary · Grades PK–6 · 0.4 mi
M
Fairmont Jr./Sr. High SchoolB-
Middle · Grades 7–12 · 0.5 mi

District: Fairmont Area School District

Neighborhood · ZIP 56031These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.9

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.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.11,702
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.74 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,928
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,737
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.31 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

440 Water 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 more than 81% of homes in Martin County
  • Bigger than 93% of homes in Fairmont 56031
  • Has a smaller lot than 66% of homes in Martin County
  • Newer than 71% of homes in Martin County

What homes are worth in Fairmont 56031

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

This home
$40K$658K

This home is worth more than 78% of homes in Fairmont 56031.

How it measures up in Fairmont 56031

The dot is this home. The mark in the middle is the typical home in Fairmont 56031.

Estimated value$288,169
CheaperTypical $165,578Pricier

Pricier than 78% of homes nearby

Price per ft²$111
CheaperTypical $120Pricier

Pricier than 44% of homes nearby

Living area2,597 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 93% of homes nearby

Lot size0.23 ac
SmallerTypical 0.24 acBigger

Bigger than 46% of homes nearby

Year built1969
OlderTypical 1952Newer

Newer than 68% of homes nearby

How 440 Water St ranks against every home in each area.
MeasureThis homeFairmont 56031Martin County
Estimated valuepricier than$288,16978% of homes81% of homes
Price per ft²pricier than$11144% of homes51% of homes
Living areabigger than2,597 ft²93% of homes93% of homes
Lot sizebigger than0.23 ac46% of homes34% of homes
Year builtnewer than196968% of homes71% of homes

About 440 Water St

How much is 440 Water St, Fairmont, MN worth?

The TopHap Estimate for 440 Water St, Fairmont, MN is $288,169 as of Sep 24, 2026. The likely range is $264,205 to $312,133. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 Water St, Fairmont, MN last sell?

440 Water St, Fairmont, MN last sold on Nov 13, 2025 for $282,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 440 Water St, Fairmont, MN?

440 Water St, Fairmont, MN has 4 bedrooms, 1 bathrooms, 2,597 square feet of living space and a 0.23-acre lot.

When was 440 Water St, Fairmont, MN built?

440 Water St, Fairmont, MN was built in 1969, making it 57 years old. It is a conventional home. The building has 2 stories.

What schools serve 440 Water St, Fairmont, MN?

440 Water St, Fairmont, MN is assigned to Fairmont Elementary School (elementary), rated D+; Fairmont Jr./Sr. High School (middle), rated B-. All sit in Fairmont Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 440 Water St, Fairmont, MN compare to other homes in Fairmont 56031?

Among the 5,139 homes in Fairmont 56031, it is worth more than 78% of them ($288,169 against a typical $165,578), its price per square foot is higher than 44% of them ($111 against a typical $120), it is bigger than 93% of them (2,597 ft² against a typical 1,440 ft²), its lot is bigger than 46% of them (0.23 ac against a typical 0.24 ac) and it is newer than 68% of them (1969 against a typical 1952). Measured against all of Martin County, it is worth more than 81% 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 440 Water St, Fairmont, MN?

The 2025 property tax bill for 440 Water St, Fairmont, MN was $5,166. The county assessed it at $297,000.

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