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Single Family ResidenceResidential
$130,727$229 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

638 SPRUCE ST

FERGUS FALLS, MN 56537
1
Baths
572 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1938
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$131K
$119K low$143K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,160 (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.$128,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$115,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$123,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$128,000

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.41
72
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.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
40
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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.46 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.A-Frame
CountyOTTER TAIL
Lot (acres)The size of the land the home sits on, from county records.0.17
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 80 ft²Porch · 78 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Iq Academy 9-12C-
Elementary · Grades 9–12 · 0.9 mi

District: Fergus Falls Public School District

Neighborhood · ZIP 56537These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

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.90%
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.7.3%
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.19,451
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.64 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,087
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,018
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

638 Spruce 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 less than 93% of homes in Fergus Falls 56537
  • Costs less per square foot than 72% of homes in Otter Tail County
  • Smaller than 91% of homes in Fergus Falls 56537
  • Has a smaller lot than 92% of homes in Otter Tail County
  • Older than 82% of homes in Otter Tail County

What homes are worth in Fergus Falls 56537

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

This home
$104K$635K

This home is worth more than 7% of homes in Fergus Falls 56537.

How it measures up in Fergus Falls 56537

The dot is this home. The mark in the middle is the typical home in Fergus Falls 56537.

Estimated value$130,727
CheaperTypical $257,249Pricier

Pricier than 7% of homes nearby

Price per ft²$229
CheaperTypical $246Pricier

Pricier than 41% of homes nearby

Living area572 ft²
SmallerTypical 1,040 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.17 ac
SmallerTypical 0.35 acBigger

Bigger than 16% of homes nearby

Year built1938
OlderTypical 1967Newer

Newer than 25% of homes nearby

How 638 Spruce St ranks against every home in each area.
MeasureThis homeFergus Falls 56537Otter Tail County
Estimated valuepricier than$130,7277% of homes8% of homes
Price per ft²pricier than$22941% of homes28% of homes
Living areabigger than572 ft²9% of homes13% of homes
Lot sizebigger than0.17 ac16% of homes8% of homes
Year builtnewer than193825% of homes18% of homes

About 638 Spruce St

How much is 638 Spruce St, Fergus Falls, MN worth?

The TopHap Estimate for 638 Spruce St, Fergus Falls, MN is $130,727 as of Aug 30, 2026. The likely range is $118,911 to $142,543. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 638 Spruce St, Fergus Falls, MN last sell?

638 Spruce St, Fergus Falls, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 638 Spruce St, Fergus Falls, MN?

638 Spruce St, Fergus Falls, MN has 1 bathrooms, 572 square feet of living space and a 0.17-acre lot.

When was 638 Spruce St, Fergus Falls, MN built?

638 Spruce St, Fergus Falls, MN was built in 1938, making it 88 years old. It is a a-frame home. The building has 1 story.

What schools serve 638 Spruce St, Fergus Falls, MN?

638 Spruce St, Fergus Falls, MN is assigned to Iq Academy 9-12 (elementary), rated C-. All sit in Fergus Falls Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 638 Spruce St, Fergus Falls, MN compare to other homes in Fergus Falls 56537?

Among the 8,855 homes in Fergus Falls 56537, it is worth more than 7% of them ($130,727 against a typical $257,249), its price per square foot is higher than 41% of them ($229 against a typical $246), it is bigger than 9% of them (572 ft² against a typical 1,040 ft²), its lot is bigger than 16% of them (0.17 ac against a typical 0.35 ac) and it is newer than 25% of them (1938 against a typical 1967). Measured against all of Otter Tail County, it is worth more than 8% 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 638 Spruce St, Fergus Falls, MN?

The 2026 property tax bill for 638 Spruce St, Fergus Falls, MN was $1,160. The county assessed it at $128,000.

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