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Single Family ResidenceResidential
$85,869
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 78How 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
Last sold for $80,000 on Aug 13, 2021

644 E SAINT GERMAIN ST

SAINT CLOUD, MN 56304
0
Baths
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$86K
$67K low$105K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$80,000 · Aug 13, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,348 (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.$162,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$137,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$162,900

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.34
40
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
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.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
CountyBENTON
Lot (acres)The size of the land the home sits on, from county records.0.18
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Talahi Community SchoolF
Elementary · Grades PK–3 · 1.4 mi
M
North Junior High SchoolD
Middle · Grades 6–8 · 2.3 mi
H
Apollo High SchoolC-
High · Grades 9–12 · 3.2 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56304These 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.158
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
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.92%
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.1.1%
PopulationHow many people live in this area.17,136
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.282 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,772
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,290
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.58%

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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

644 E Saint Germain 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.

  • Among the least valuable homes in Saint Cloud 56304
  • Has a smaller lot than 84% of homes in Benton County

What homes are worth in Saint Cloud 56304

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

This home
$92K$558K

This home is worth less than almost all homes in Saint Cloud 56304.

How it measures up in Saint Cloud 56304

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56304.

Estimated value$85,869
CheaperTypical $208,280Pricier

Cheaper than almost all homes nearby

Lot size0.18 ac
SmallerTypical 0.28 acBigger

Bigger than 36% of homes nearby

How 644 E Saint Germain St ranks against every home in each area.
MeasureThis homeSaint Cloud 56304Benton County
Estimated valuepricier than$85,869almost no homesalmost no homes
Lot sizebigger than0.18 ac36% of homes16% of homes

About 644 E Saint Germain St

How much is 644 E Saint Germain St, Saint Cloud, MN worth?

The TopHap Estimate for 644 E Saint Germain St, Saint Cloud, MN is $85,869 as of Aug 30, 2026. The likely range is $66,627 to $105,111. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 E Saint Germain St, Saint Cloud, MN last sell?

644 E Saint Germain St, Saint Cloud, MN last sold on Aug 13, 2021 for $80,000, according to the county's recorded deed.

What schools serve 644 E Saint Germain St, Saint Cloud, MN?

644 E Saint Germain St, Saint Cloud, MN is assigned to Talahi Community School (elementary), rated F; North Junior High School (middle), rated D; Apollo High School (high), rated C-. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 E Saint Germain St, Saint Cloud, MN compare to other homes in Saint Cloud 56304?

Among the 4,134 homes in Saint Cloud 56304, it is worth more than almost none of them ($85,869 against a typical $208,280) and its lot is bigger than 36% of them (0.18 ac against a typical 0.28 ac). Measured against all of Benton County, it is worth more than almost no 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 644 E Saint Germain St, Saint Cloud, MN?

The 2026 property tax bill for 644 E Saint Germain St, Saint Cloud, MN was $2,348. The county assessed it at $162,900.

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