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Single Family ResidenceResidential
$265,216$243 / 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 Oct 21, 2026

4609 40TH ST S

SAINT CLOUD, MN 56301
3
Beds
1
Baths
1,092 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.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$265K
$238K low$292K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4 (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.$235,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$185,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$235,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$235,800

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.41
36
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
44
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
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.
24
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.6 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
Lot (acres)The size of the land the home sits on, from county records.0.80
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
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.

H
Tech High SchoolD+
High · Grades 9–12 · 0.7 mi
E
Oak Hill Community SchoolC-
Elementary · Grades PK–5 · 2.5 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 4.0 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%

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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

4609 40th St 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 72% of homes in Saint Cloud 56301
  • Smaller than 78% of homes in Saint Cloud 56301
  • Has a bigger lot than 76% of 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
$92K$725K

This home is worth more than 41% of 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$265,216
CheaperTypical $294,872Pricier

Pricier than 41% of homes nearby

Price per ft²$243
CheaperTypical $201Pricier

Pricier than 72% of homes nearby

Living area1,092 ft²
SmallerTypical 1,393 ft²Bigger

Bigger than 22% of homes nearby

Lot size0.8 ac
SmallerTypical 0.35 acBigger

Bigger than 76% of homes nearby

Year built1970
OlderTypical 1984Newer

Newer than 36% of homes nearby

How 4609 40th St S ranks against every home in each area.
MeasureThis homeSaint Cloud 56301Stearns County
Estimated valuepricier than$265,21641% of homes43% of homes
Price per ft²pricier than$24372% of homes68% of homes
Living areabigger than1,092 ft²22% of homes25% of homes
Lot sizebigger than0.8 ac76% of homes68% of homes
Year builtnewer than197036% of homes36% of homes

About 4609 40th St S

How much is 4609 40th St S, Saint Cloud, MN worth?

The TopHap Estimate for 4609 40th St S, Saint Cloud, MN is $265,216 as of Oct 21, 2026. The likely range is $237,942 to $292,490. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4609 40th St S, Saint Cloud, MN last sell?

4609 40th St S, Saint Cloud, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4609 40th St S, Saint Cloud, MN?

4609 40th St S, Saint Cloud, MN has 3 bedrooms, 1 bathrooms, 1,092 square feet of living space and a 0.80-acre lot.

When was 4609 40th St S, Saint Cloud, MN built?

4609 40th St S, Saint Cloud, MN was built in 1970, making it 56 years old. The building has 1 story.

What schools serve 4609 40th St S, Saint Cloud, MN?

4609 40th St S, Saint Cloud, MN is assigned to Tech High School (high), rated D+; Oak Hill Community School (elementary), rated C-; South 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 4609 40th St S, Saint Cloud, MN compare to other homes in Saint Cloud 56301?

Among the 8,412 homes in Saint Cloud 56301, it is worth more than 41% of them ($265,216 against a typical $294,872), its price per square foot is higher than 72% of them ($243 against a typical $201), it is bigger than 22% of them (1,092 ft² against a typical 1,393 ft²), its lot is bigger than 76% of them (0.8 ac against a typical 0.35 ac) and it is newer than 36% of them (1970 against a typical 1984). Measured against all of Stearns County, it is worth more than 43% 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 4609 40th St S, Saint Cloud, MN?

The 2025 property tax bill for 4609 40th St S, Saint Cloud, MN was $4. The county assessed it at $235,800.

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