Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$71,208$74 / 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 86How 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

45 ARBOR ST

SAINT CLOUD, MN 56301
2
Beds
0
Baths
960 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.
2021
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$71K
$61K low$81K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$222 (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.$22,600 (2026)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$22,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$22,600

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.45
73
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
55
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.48 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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
CountySTEARNS
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
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
Discovery Community SchoolD
Elementary · Grades PK–5 · 2.1 mi
H
Apollo High SchoolC-
High · Grades 9–12 · 4.1 mi
M
North Junior High SchoolD
Middle · Grades 6–8 · 4.9 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56301These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
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.94%
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.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.35,971
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.466 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,282
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,216
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Owner Tools

Do you own this home?
Claim this home

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

45 Arbor 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.

  • Among the least valuable homes in Saint Cloud 56301
  • Costs less per square foot than 97% of homes in Saint Cloud 56301
  • Smaller than 90% of homes in Saint Cloud 56301
  • Among the newest homes in Saint Cloud 56301

What homes are worth in Saint Cloud 56301

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

This home
$83K$596K

This home is worth less than almost all homes in Saint Cloud 56301.

How it measures up in Saint Cloud 56301

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56301.

Estimated value$71,208
CheaperTypical $207,524Pricier

Cheaper than almost all homes nearby

Price per ft²$74
CheaperTypical $148Pricier

Pricier than 3% of homes nearby

Living area960 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 10% of homes nearby

Year built2021
OlderTypical 1984Newer

Newer than almost all homes nearby

How 45 Arbor St ranks against every home in each area.
MeasureThis homeSaint Cloud 56301Stearns County
Estimated valuepricier than$71,208almost no homesalmost no homes
Price per ft²pricier than$743% of homes3% of homes
Living areabigger than960 ft²10% of homes12% of homes
Year builtnewer than2021almost all homes98% of homes

About 45 Arbor St

How much is 45 Arbor St, Saint Cloud, MN worth?

The TopHap Estimate for 45 Arbor St, Saint Cloud, MN is $71,208 as of Jul 14, 2026. The likely range is $60,991 to $81,425. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Arbor St, Saint Cloud, MN last sell?

45 Arbor St, Saint Cloud, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 45 Arbor St, Saint Cloud, MN?

45 Arbor St, Saint Cloud, MN has 2 bedrooms and 960 square feet of living space.

When was 45 Arbor St, Saint Cloud, MN built?

45 Arbor St, Saint Cloud, MN was built in 2021, making it 5 years old.

What schools serve 45 Arbor St, Saint Cloud, MN?

45 Arbor St, Saint Cloud, MN is assigned to Discovery Community School (elementary), rated D; Apollo High School (high), rated C-; North Junior High School (middle), rated D. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Arbor St, Saint Cloud, MN compare to other homes in Saint Cloud 56301?

Among the 8,413 homes in Saint Cloud 56301, it is worth more than almost none of them ($71,208 against a typical $207,524), its price per square foot is higher than 3% of them ($74 against a typical $148), it is bigger than 10% of them (960 ft² against a typical 1,400 ft²) and it is newer than almost all of them (2021 against a typical 1984). Measured against all of Stearns County, it is worth more than almost no 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 45 Arbor St, Saint Cloud, MN?

The 2025 property tax bill for 45 Arbor St, Saint Cloud, MN was $222. The county assessed it at $22,600.

More homes on Arbor St

Closest homes

More homes in Saint Cloud 56301

Assigned schools

Explore the area

See this home in context

Open 45 Arbor St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map