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Single Family ResidenceResidential
$1,041,941$401 / 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 Jun 23, 2026
Last sold for $86,000 on Nov 1, 2013

646 RIVER RIDGE RD

SAINT CLOUD, MN 56301
2
Beds
3
Baths
2,601 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.
1.04 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1M
$959K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$86,000 · Nov 1, 2013
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.$1,041,941
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$833,553

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,708 (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.$783,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$135,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$647,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$906,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$783,100

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.47
94
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
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.
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.71 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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
Lot (acres)The size of the land the home sits on, from county records.1.04
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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

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

M
Sartell Middle SchoolA
Middle · Grades 6–8 · 2.1 mi
E
Pine Meadow Primary School
Elementary · Grades 1–2 · 2.3 mi
H
Sartell High SchoolA
High · Grades 9–12 · 4.3 mi

District: Sartell-St. Stephen Isd 748

Neighborhood · ZIP 56301These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.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.1.0%
PopulationHow many people live in this area.35,971
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.466 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,282
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,216
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

646 River Ridge Rd 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 most valuable homes in Saint Cloud 56301
  • Among the highest price per square foot in Saint Cloud 56301
  • Bigger than 94% of homes in Stearns County
  • Has a bigger lot than 81% of homes in Saint Cloud 56301
  • Newer than 95% of homes in Saint Cloud 56301

What homes are worth in Saint Cloud 56301

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

This home
$82K$605K

This home is worth more than almost all homes in Saint Cloud 56301.

How it measures up in Saint Cloud 56301

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56301.

Estimated value$1,041,941
CheaperTypical $210,551Pricier

Pricier than almost all homes nearby

Price per ft²$401
CheaperTypical $149Pricier

Pricier than almost all homes nearby

Living area2,601 ft²
SmallerTypical 1,396 ft²Bigger

Bigger than 91% of homes nearby

Lot size1.04 ac
SmallerTypical 0.35 acBigger

Bigger than 81% of homes nearby

Year built2015
OlderTypical 1984Newer

Newer than 95% of homes nearby

How 646 River Ridge Rd ranks against every home in each area.
MeasureThis homeSaint Cloud 56301Stearns County
Estimated valuepricier than$1,041,941almost all homesalmost all homes
Price per ft²pricier than$401almost all homesalmost all homes
Living areabigger than2,601 ft²91% of homes94% of homes
Lot sizebigger than1.04 ac81% of homes72% of homes
Year builtnewer than201595% of homes94% of homes

About 646 River Ridge Rd

How much is 646 River Ridge Rd, Saint Cloud, MN worth?

The TopHap Estimate for 646 River Ridge Rd, Saint Cloud, MN is $1,041,941 as of Jun 23, 2026. The likely range is $958,585 to $1,125,296. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 River Ridge Rd, Saint Cloud, MN last sell?

646 River Ridge Rd, Saint Cloud, MN last sold on Nov 1, 2013 for $86,000, according to the county's recorded deed.

How big is 646 River Ridge Rd, Saint Cloud, MN?

646 River Ridge Rd, Saint Cloud, MN has 2 bedrooms, 3 bathrooms, 2,601 square feet of living space and a 1.04-acre lot.

When was 646 River Ridge Rd, Saint Cloud, MN built?

646 River Ridge Rd, Saint Cloud, MN was built in 2015, making it 11 years old. It is a ranch home. The building has 1 story.

What schools serve 646 River Ridge Rd, Saint Cloud, MN?

646 River Ridge Rd, Saint Cloud, MN is assigned to Sartell Middle School (middle), rated A; Pine Meadow Primary School (elementary); Sartell High School (high), rated A. All sit in Sartell-St. Stephen Isd 748. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 River Ridge Rd, Saint Cloud, MN compare to other homes in Saint Cloud 56301?

Among the 8,413 homes in Saint Cloud 56301, it is worth more than almost all of them ($1,041,941 against a typical $210,551), its price per square foot is higher than almost all of them ($401 against a typical $149), it is bigger than 91% of them (2,601 ft² against a typical 1,396 ft²), its lot is bigger than 81% of them (1.04 ac against a typical 0.35 ac) and it is newer than 95% of them (2015 against a typical 1984). Measured against all of Stearns County, it is worth more than almost all 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 646 River Ridge Rd, Saint Cloud, MN?

The 2026 property tax bill for 646 River Ridge Rd, Saint Cloud, MN was $13,708. The county assessed it at $783,100.

More homes on River Ridge Rd

Closest homes

More homes in Saint Cloud 56301

Assigned schools

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