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Single Family ResidenceResidential
$137,326$126 / 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 72How 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 $85,000 on Jun 19, 2001

540 4TH ST NW

RICHMOND, MN 56368
2
Beds
1.5
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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$137K
$99K low$176K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,000 · Jun 19, 2001
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.$137,326
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$109,861

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,698 (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.$210,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$167,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$204,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$210,400

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
50
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.

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.Ranch
CountySTEARNS
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.1987
Lot (acres)The size of the land the home sits on, from county records.0.32
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Neighborhood · ZIP 56368These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

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.77%
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.6.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.5,297
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.69 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,544
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,517
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

540 4th St Nw 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 90% of homes in Richmond 56368
  • Costs less per square foot than 87% of homes in Richmond 56368
  • Smaller than 75% of homes in Stearns County
  • Has a smaller lot than 74% of homes in Richmond 56368

What homes are worth in Richmond 56368

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

This home
$88K$725K

This home is worth more than 10% of homes in Richmond 56368.

How it measures up in Richmond 56368

The dot is this home. The mark in the middle is the typical home in Richmond 56368.

Estimated value$137,326
CheaperTypical $269,914Pricier

Pricier than 10% of homes nearby

Price per ft²$126
CheaperTypical $192Pricier

Pricier than 13% of homes nearby

Living area1,092 ft²
SmallerTypical 1,298 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.32 ac
SmallerTypical 0.55 acBigger

Bigger than 26% of homes nearby

Year built1985
OlderTypical 1979Newer

Newer than 57% of homes nearby

How 540 4th St Nw ranks against every home in each area.
MeasureThis homeRichmond 56368Stearns County
Estimated valuepricier than$137,32610% of homes18% of homes
Price per ft²pricier than$12613% of homes27% of homes
Living areabigger than1,092 ft²31% of homes25% of homes
Lot sizebigger than0.32 ac26% of homes43% of homes
Year builtnewer than198557% of homes54% of homes

About 540 4th St Nw

How much is 540 4th St Nw, Richmond, MN worth?

The TopHap Estimate for 540 4th St Nw, Richmond, MN is $137,326 as of Jul 14, 2026. The likely range is $98,707 to $175,945. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 4th St Nw, Richmond, MN last sell?

540 4th St Nw, Richmond, MN last sold on Jun 19, 2001 for $85,000, according to the county's recorded deed.

How big is 540 4th St Nw, Richmond, MN?

540 4th St Nw, Richmond, MN has 2 bedrooms, 1.5 bathrooms, 1,092 square feet of living space and a 0.32-acre lot.

When was 540 4th St Nw, Richmond, MN built?

540 4th St Nw, Richmond, MN was built in 1985, making it 41 years old. It is a ranch home. The building has 1 story.

How does 540 4th St Nw, Richmond, MN compare to other homes in Richmond 56368?

Among the 2,823 homes in Richmond 56368, it is worth more than 10% of them ($137,326 against a typical $269,914), its price per square foot is higher than 13% of them ($126 against a typical $192), it is bigger than 31% of them (1,092 ft² against a typical 1,298 ft²), its lot is bigger than 26% of them (0.32 ac against a typical 0.55 ac) and it is newer than 57% of them (1985 against a typical 1979). Measured against all of Stearns County, it is worth more than 18% 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 540 4th St Nw, Richmond, MN?

The 2026 property tax bill for 540 4th St Nw, Richmond, MN was $2,698. The county assessed it at $210,400.

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