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Single Family ResidentialResidential
$122,408$113 / 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 89How 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 $220,000 on Aug 12, 2022

641 2ND ST S

WINSTED, MN 55395
3
Beds
1
Baths
1,085 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$122K
$109K low$135K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$220,000 · Aug 12, 2022
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.165%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$216,015
FLAGSTAR BANK FSB · recorded Aug 12, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,476 (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.$191,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$164,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$183,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$191,700

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.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
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.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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 Residential
CountyMcLeod
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.1954
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Steel Frame
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
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.Carport (Unspecified)

Transaction History(3)

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.

E
Winsted Elementary SchoolC
Elementary · Grades PK–4 · 0.7 mi
H
Howard Lake-Waverly-Winsted High SchoolA-
High · Grades 9–12 · 5.0 mi
M
Howard Lake-Waverly-Winsted Middle SchoolC+
Middle · Grades 5–8 · 5.0 mi

District: Howard Lake-Waverly-Winsted

Neighborhood · ZIP 55395These 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.159
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 100.11

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.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
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.2,808
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.129 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,678
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,140
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.29 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.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

641 2nd 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.

  • Worth less than 88% of homes in Winsted 55395
  • Costs less per square foot than 79% of homes in Winsted 55395
  • Smaller than 78% of homes in McLeod County
  • Has a smaller lot than 86% of homes in McLeod County
  • Older than 92% of homes in Winsted 55395

What homes are worth in Winsted 55395

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

This home
$73K$585K

This home is worth more than 12% of homes in Winsted 55395.

How it measures up in Winsted 55395

The dot is this home. The mark in the middle is the typical home in Winsted 55395.

Estimated value$122,408
CheaperTypical $179,062Pricier

Pricier than 12% of homes nearby

Price per ft²$113
CheaperTypical $145Pricier

Pricier than 21% of homes nearby

Living area1,085 ft²
SmallerTypical 1,257 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.18 ac
SmallerTypical 0.28 acBigger

Bigger than 20% of homes nearby

Year built1900
OlderTypical 1976Newer

Newer than 8% of homes nearby

How 641 2nd St S ranks against every home in each area.
MeasureThis homeWinsted 55395McLeod County
Estimated valuepricier than$122,40812% of homes15% of homes
Price per ft²pricier than$11321% of homes21% of homes
Living areabigger than1,085 ft²25% of homes22% of homes
Lot sizebigger than0.18 ac20% of homes14% of homes
Year builtnewer than19008% of homes9% of homes

About 641 2nd St S

How much is 641 2nd St S, Winsted, MN worth?

The TopHap Estimate for 641 2nd St S, Winsted, MN is $122,408 as of Jul 14, 2026. The likely range is $109,384 to $135,432. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 641 2nd St S, Winsted, MN last sell?

641 2nd St S, Winsted, MN last sold on Aug 12, 2022 for $220,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 641 2nd St S, Winsted, MN?

641 2nd St S, Winsted, MN has 3 bedrooms, 1 bathrooms, 1,085 square feet of living space and a 0.18-acre lot.

When was 641 2nd St S, Winsted, MN built?

641 2nd St S, Winsted, MN was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 641 2nd St S, Winsted, MN?

641 2nd St S, Winsted, MN is assigned to Winsted Elementary School (elementary), rated C; Howard Lake-Waverly-Winsted High School (high), rated A-; Howard Lake-Waverly-Winsted Middle School (middle), rated C+. All sit in Howard Lake-Waverly-Winsted. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 641 2nd St S, Winsted, MN compare to other homes in Winsted 55395?

Among the 1,069 homes in Winsted 55395, it is worth more than 12% of them ($122,408 against a typical $179,062), its price per square foot is higher than 21% of them ($113 against a typical $145), it is bigger than 25% of them (1,085 ft² against a typical 1,257 ft²), its lot is bigger than 20% of them (0.18 ac against a typical 0.28 ac) and it is newer than 8% of them (1900 against a typical 1976). Measured against all of McLeod County, it is worth more than 15% 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 641 2nd St S, Winsted, MN?

The 2025 property tax bill for 641 2nd St S, Winsted, MN was $2,476. The county assessed it at $191,700.

Closest homes

More homes in Winsted 55395

Assigned schools

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