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Single Family ResidenceResidential
$180,296$146 / 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 93How 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 $57,900 on Jun 24, 2019

77807 STEPAN RD

WILLOW RIVER, MN 55795
2
Beds
1
Baths
1,232 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.
7.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
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

$180K
$167K low$193K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$57,900 · Jun 24, 2019
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.$133,976
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$107,181
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.26%
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.$46,320
AFFINITY PLUS FCU · recorded Jun 24, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$776 (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.$136,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$78,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$58,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$115,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$136,300

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.19 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
CountyPINE
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.1992
Lot (acres)The size of the land the home sits on, from county records.7.36
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.Composition Shingle
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Deck · 66 ft²Shed · 100 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
Willow River Secondary SchoolD+
Middle · Grades 7–12 · 3.0 mi
E
Willow River Elementary SchoolC+
Elementary · Grades PK–6 · 3.0 mi

District: Willow River Public School District

Neighborhood · ZIP 55795These 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.148
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.6

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.68%
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.6.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.1,380
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.15 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,038
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,195
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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

77807 Stepan 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.

  • Costs less per square foot than 73% of homes in Willow River 55795
  • Older than 74% of homes in Willow River 55795

What homes are worth in Willow River 55795

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

This home
$56K$529K

This home is worth more than 45% of homes in Willow River 55795.

How it measures up in Willow River 55795

The dot is this home. The mark in the middle is the typical home in Willow River 55795.

Estimated value$180,296
CheaperTypical $194,144Pricier

Pricier than 45% of homes nearby

Price per ft²$146
CheaperTypical $189Pricier

Pricier than 27% of homes nearby

Living area1,232 ft²
SmallerTypical 1,139 ft²Bigger

Bigger than 58% of homes nearby

Lot size7.36 ac
SmallerTypical 5.24 acBigger

Bigger than 56% of homes nearby

Year built1970
OlderTypical 1992Newer

Newer than 26% of homes nearby

How 77807 Stepan Rd ranks against every home in each area.
MeasureThis homeWillow River 55795Pine County
Estimated valuepricier than$180,29645% of homes48% of homes
Price per ft²pricier than$14627% of homes36% of homes
Living areabigger than1,232 ft²58% of homes54% of homes
Lot sizebigger than7.36 ac56% of homes64% of homes
Year builtnewer than197026% of homes30% of homes

About 77807 Stepan Rd

How much is 77807 Stepan Rd, Willow River, MN worth?

The TopHap Estimate for 77807 Stepan Rd, Willow River, MN is $180,296 as of Jul 14, 2026. The likely range is $167,453 to $193,139. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 77807 Stepan Rd, Willow River, MN last sell?

77807 Stepan Rd, Willow River, MN last sold on Jun 24, 2019 for $57,900, according to the county's recorded deed.

How big is 77807 Stepan Rd, Willow River, MN?

77807 Stepan Rd, Willow River, MN has 2 bedrooms, 1 bathrooms, 1,232 square feet of living space and a 7.36-acre lot.

When was 77807 Stepan Rd, Willow River, MN built?

77807 Stepan Rd, Willow River, MN was built in 1970, making it 56 years old. It is a ranch home. The building has 1 story.

What schools serve 77807 Stepan Rd, Willow River, MN?

77807 Stepan Rd, Willow River, MN is assigned to Willow River Secondary School (middle), rated D+; Willow River Elementary School (elementary), rated C+. All sit in Willow River Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 77807 Stepan Rd, Willow River, MN compare to other homes in Willow River 55795?

Among the 1,322 homes in Willow River 55795, it is worth more than 45% of them ($180,296 against a typical $194,144), its price per square foot is higher than 27% of them ($146 against a typical $189), it is bigger than 58% of them (1,232 ft² against a typical 1,139 ft²), its lot is bigger than 56% of them (7.36 ac against a typical 5.24 ac) and it is newer than 26% of them (1970 against a typical 1992). Measured against all of Pine County, it is worth more than 48% 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 77807 Stepan Rd, Willow River, MN?

The 2025 property tax bill for 77807 Stepan Rd, Willow River, MN was $776. The county assessed it at $136,300.

Closest homes

More homes in Willow River 55795

Assigned schools

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