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Single Family ResidenceResidential
$119,497$121 / 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 Jul 14, 2026
Last sold for $150,000 on Oct 30, 2018

640 4TH ST

HOLDINGFORD, MN 56340
2
Beds
1
Baths
988 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
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

$119K
$110K low$129K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$150,000 · Oct 30, 2018
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.$119,497
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$95,598

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,924 (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.$202,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$175,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$193,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$202,800

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.37
40
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
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.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
5
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.8 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
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.1990
Lot (acres)The size of the land the home sits on, from county records.0.34
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.None
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.Shed · 160 ft²

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.

M
Holdingford Secondary SchoolC+
Middle · Grades 7–12 · 0.3 mi
E
Holdingford Elementary SchoolB+
Elementary · Grades PK–6 · 0.3 mi

District: Holdingford Public School District

Neighborhood · ZIP 56340These 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.121
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,969
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.39 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,281
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,832
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.56%

Ownership

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

640 4th 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 89% of homes in Holdingford 56340
  • Costs less per square foot than 76% of homes in Stearns County
  • Smaller than 91% of homes in Holdingford 56340
  • Has a smaller lot than 84% of homes in Holdingford 56340

What homes are worth in Holdingford 56340

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

This home
$88K$599K

This home is worth more than 11% of homes in Holdingford 56340.

How it measures up in Holdingford 56340

The dot is this home. The mark in the middle is the typical home in Holdingford 56340.

Estimated value$119,497
CheaperTypical $232,075Pricier

Pricier than 11% of homes nearby

Price per ft²$121
CheaperTypical $156Pricier

Pricier than 26% of homes nearby

Living area988 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.34 ac
SmallerTypical 4.26 acBigger

Bigger than 16% of homes nearby

Year built1987
OlderTypical 1979Newer

Newer than 57% of homes nearby

How 640 4th St ranks against every home in each area.
MeasureThis homeHoldingford 56340Stearns County
Estimated valuepricier than$119,49711% of homes11% of homes
Price per ft²pricier than$12126% of homes24% of homes
Living areabigger than988 ft²9% of homes15% of homes
Lot sizebigger than0.34 ac16% of homes44% of homes
Year builtnewer than198757% of homes56% of homes

About 640 4th St

How much is 640 4th St, Holdingford, MN worth?

The TopHap Estimate for 640 4th St, Holdingford, MN is $119,497 as of Jul 14, 2026. The likely range is $110,179 to $128,815. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 4th St, Holdingford, MN last sell?

640 4th St, Holdingford, MN last sold on Oct 30, 2018 for $150,000, according to the county's recorded deed.

How big is 640 4th St, Holdingford, MN?

640 4th St, Holdingford, MN has 2 bedrooms, 1 bathrooms, 988 square feet of living space and a 0.34-acre lot.

When was 640 4th St, Holdingford, MN built?

640 4th St, Holdingford, MN was built in 1987, making it 39 years old. It is a ranch home. The building has 1 story.

What schools serve 640 4th St, Holdingford, MN?

640 4th St, Holdingford, MN is assigned to Holdingford Secondary School (middle), rated C+; Holdingford Elementary School (elementary), rated B+. All sit in Holdingford Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 4th St, Holdingford, MN compare to other homes in Holdingford 56340?

Among the 952 homes in Holdingford 56340, it is worth more than 11% of them ($119,497 against a typical $232,075), its price per square foot is higher than 26% of them ($121 against a typical $156), it is bigger than 9% of them (988 ft² against a typical 1,440 ft²), its lot is bigger than 16% of them (0.34 ac against a typical 4.26 ac) and it is newer than 57% of them (1987 against a typical 1979). Measured against all of Stearns County, it is worth more than 11% 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 640 4th St, Holdingford, MN?

The 2026 property tax bill for 640 4th St, Holdingford, MN was $1,924. The county assessed it at $202,800.

Closest homes

More homes in Holdingford 56340

Assigned schools

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