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Single Family ResidenceResidential
$726,516$366 / 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 97How 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 $50,000 on Jan 22, 2020

945 COVE CT NW

SAUK RAPIDS, MN 56379
4
Beds
4
Baths
1,986 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.
0.41 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$727K
$705K low$748K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$50,000 · Jan 22, 2020
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.$366,516
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$293,213
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.50%
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.$360,000
LIBERTY BANK MINNESOTA · recorded Nov 30, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,478 (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.$646,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$54,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$592,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$611,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$646,700

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.
47
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.
52
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.
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.0.41
RoofThe main material covering the roof, such as asphalt shingle or tile.Asbestos
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

H
Sauk Rapids-Rice High SchoolB-
High · Grades 9–12 · 4.8 mi
M
Sauk Rapids-Rice Middle SchoolC
Middle · Grades 6–8 · 5.3 mi
E
Mississippi Heights Elementary SchoolB-
Elementary · Grades KG–5 · 5.6 mi

District: Sauk Rapids-Rice Public Schools

Neighborhood · ZIP 56379These 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.103
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 100.13

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.96%
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.6.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.19,160
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.211 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,136
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,443
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%

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

945 Cove Ct Nw 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 Sauk Rapids 56379
  • Among the highest price per square foot in Sauk Rapids 56379
  • Bigger than 89% of homes in Sauk Rapids 56379
  • Has a bigger lot than 67% of homes in Sauk Rapids 56379
  • Newer than 98% of homes in Sauk Rapids 56379

What homes are worth in Sauk Rapids 56379

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

This home
$92K$570K

This home is worth more than almost all homes in Sauk Rapids 56379.

How it measures up in Sauk Rapids 56379

The dot is this home. The mark in the middle is the typical home in Sauk Rapids 56379.

Estimated value$726,516
CheaperTypical $195,990Pricier

Pricier than almost all homes nearby

Price per ft²$366
CheaperTypical $157Pricier

Pricier than almost all homes nearby

Living area1,986 ft²
SmallerTypical 1,248 ft²Bigger

Bigger than 89% of homes nearby

Lot size0.41 ac
SmallerTypical 0.29 acBigger

Bigger than 67% of homes nearby

Year built2020
OlderTypical 1989Newer

Newer than 98% of homes nearby

How 945 Cove Ct Nw ranks against every home in each area.
MeasureThis homeSauk Rapids 56379Benton County
Estimated valuepricier than$726,516almost all homesalmost all homes
Price per ft²pricier than$366almost all homesalmost all homes
Living areabigger than1,986 ft²89% of homes87% of homes
Lot sizebigger than0.41 ac67% of homes53% of homes
Year builtnewer than202098% of homes97% of homes

About 945 Cove Ct Nw

How much is 945 Cove Ct Nw, Sauk Rapids, MN worth?

The TopHap Estimate for 945 Cove Ct Nw, Sauk Rapids, MN is $726,516 as of Jun 23, 2026. The likely range is $704,720 to $748,311. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 945 Cove Ct Nw, Sauk Rapids, MN last sell?

945 Cove Ct Nw, Sauk Rapids, MN last sold on Jan 22, 2020 for $50,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 945 Cove Ct Nw, Sauk Rapids, MN?

945 Cove Ct Nw, Sauk Rapids, MN has 4 bedrooms, 4 bathrooms, 1,986 square feet of living space and a 0.41-acre lot.

When was 945 Cove Ct Nw, Sauk Rapids, MN built?

945 Cove Ct Nw, Sauk Rapids, MN was built in 2020, making it 6 years old. The building has 1 story.

What schools serve 945 Cove Ct Nw, Sauk Rapids, MN?

945 Cove Ct Nw, Sauk Rapids, MN is assigned to Sauk Rapids-Rice High School (high), rated B-; Sauk Rapids-Rice Middle School (middle), rated C; Mississippi Heights Elementary School (elementary), rated B-. All sit in Sauk Rapids-Rice Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 945 Cove Ct Nw, Sauk Rapids, MN compare to other homes in Sauk Rapids 56379?

Among the 5,929 homes in Sauk Rapids 56379, it is worth more than almost all of them ($726,516 against a typical $195,990), its price per square foot is higher than almost all of them ($366 against a typical $157), it is bigger than 89% of them (1,986 ft² against a typical 1,248 ft²), its lot is bigger than 67% of them (0.41 ac against a typical 0.29 ac) and it is newer than 98% of them (2020 against a typical 1989). Measured against all of Benton 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 945 Cove Ct Nw, Sauk Rapids, MN?

The 2026 property tax bill for 945 Cove Ct Nw, Sauk Rapids, MN was $6,478. The county assessed it at $646,700.

Closest homes

More homes in Sauk Rapids 56379

Assigned schools

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