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Single Family ResidenceResidential
$181,318$166 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

6638 BLACK SPRUCE ST

SAINT CLOUD, MN 56303
2
Beds
1
Baths
1,090 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.
2004
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$181K
$164K low$199K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,568 (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.$260,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$200,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$260,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,300

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.27
11
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Bi-Level
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.0.18
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
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.

E
Westwood Elementary SchoolC+
Elementary · Grades PK–5 · 1.3 mi
H
Apollo High SchoolD+
High · Grades 9–12 · 2.2 mi
M
North Junior High SchoolD
Middle · Grades 6–8 · 3.1 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56303These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.28,127
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,548 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,026
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,437
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%

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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

6638 Black 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 83% of homes in Stearns County
  • Costs less per square foot than 74% of homes in Stearns County
  • Smaller than 76% of homes in Stearns County
  • Has a smaller lot than 83% of homes in Stearns County
  • Newer than 90% of homes in Saint Cloud 56303

What homes are worth in Saint Cloud 56303

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

This home
$105K$487K

This home is worth more than 35% of homes in Saint Cloud 56303.

How it measures up in Saint Cloud 56303

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56303.

Estimated value$181,318
CheaperTypical $211,359Pricier

Pricier than 35% of homes nearby

Price per ft²$166
CheaperTypical $180Pricier

Pricier than 41% of homes nearby

Living area1,090 ft²
SmallerTypical 1,186 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.18 ac
SmallerTypical 0.2 acBigger

Bigger than 42% of homes nearby

Year built2004
OlderTypical 1970Newer

Newer than 90% of homes nearby

How 6638 Black Spruce St ranks against every home in each area.
MeasureThis homeSaint Cloud 56303Stearns County
Estimated valuepricier than$181,31835% of homes17% of homes
Price per ft²pricier than$16641% of homes26% of homes
Living areabigger than1,090 ft²36% of homes24% of homes
Lot sizebigger than0.18 ac42% of homes17% of homes
Year builtnewer than200490% of homes84% of homes

About 6638 Black Spruce St

How much is 6638 Black Spruce St, Saint Cloud, MN worth?

The TopHap Estimate for 6638 Black Spruce St, Saint Cloud, MN is $181,318 as of Oct 21, 2026. The likely range is $163,610 to $199,026. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 6638 Black Spruce St, Saint Cloud, MN last sell?

6638 Black Spruce St, Saint Cloud, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 6638 Black Spruce St, Saint Cloud, MN?

6638 Black Spruce St, Saint Cloud, MN has 2 bedrooms, 1 bathrooms, 1,090 square feet of living space and a 0.18-acre lot.

When was 6638 Black Spruce St, Saint Cloud, MN built?

6638 Black Spruce St, Saint Cloud, MN was built in 2004, making it 22 years old. It is a bi-level home.

What schools serve 6638 Black Spruce St, Saint Cloud, MN?

6638 Black Spruce St, Saint Cloud, MN is assigned to Westwood Elementary School (elementary), rated C+; Apollo High School (high), rated D+; North Junior High School (middle), rated D. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 6638 Black Spruce St, Saint Cloud, MN compare to other homes in Saint Cloud 56303?

Among the 8,914 homes in Saint Cloud 56303, it is worth more than 35% of them ($181,318 against a typical $211,359), its price per square foot is higher than 41% of them ($166 against a typical $180), it is bigger than 36% of them (1,090 ft² against a typical 1,186 ft²), its lot is bigger than 42% of them (0.18 ac against a typical 0.2 ac) and it is newer than 90% of them (2004 against a typical 1970). Measured against all of Stearns County, it is worth more than 17% 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 6638 Black Spruce St, Saint Cloud, MN?

The 2026 property tax bill for 6638 Black Spruce St, Saint Cloud, MN was $3,568. The county assessed it at $260,300.

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