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Single Family ResidenceResidential
$262,932$216 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $275,000 on Jul 12, 2022

945 SPRUCE DR

SAINT CLOUD, MN 56303
2
Beds
2
Baths
1,215 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.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1961
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

$263K
$246K low$279K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$275,000 · Jul 12, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,736 (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.$208,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$40,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$168,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$208,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$208,700

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.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
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.
49
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.
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
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.0.47
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.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
Westwood Elementary SchoolC+
Elementary · Grades PK–5 · 0.2 mi
H
Apollo High SchoolD+
High · Grades 9–12 · 0.9 mi
M
North Junior High SchoolD
Middle · Grades 6–8 · 1.8 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

945 Spruce Dr 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 more than 66% of homes in Saint Cloud 56303
  • Costs more per square foot than 72% of homes in Saint Cloud 56303
  • Has a bigger lot than 90% of homes in Saint Cloud 56303
  • Older than 72% of homes in Stearns County

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
$118K$487K

This home is worth more than 66% 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$262,932
CheaperTypical $220,052Pricier

Pricier than 66% of homes nearby

Price per ft²$216
CheaperTypical $189Pricier

Pricier than 72% of homes nearby

Living area1,215 ft²
SmallerTypical 1,184 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.47 ac
SmallerTypical 0.2 acBigger

Bigger than 90% of homes nearby

Year built1961
OlderTypical 1971Newer

Newer than 39% of homes nearby

How 945 Spruce Dr ranks against every home in each area.
MeasureThis homeSaint Cloud 56303Stearns County
Estimated valuepricier than$262,93266% of homes39% of homes
Price per ft²pricier than$21672% of homes51% of homes
Living areabigger than1,215 ft²54% of homes38% of homes
Lot sizebigger than0.47 ac90% of homes57% of homes
Year builtnewer than196139% of homes28% of homes

About 945 Spruce Dr

How much is 945 Spruce Dr, Saint Cloud, MN worth?

The TopHap Estimate for 945 Spruce Dr, Saint Cloud, MN is $262,932 as of Sep 24, 2026. The likely range is $246,418 to $279,446. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 945 Spruce Dr, Saint Cloud, MN last sell?

945 Spruce Dr, Saint Cloud, MN last sold on Jul 12, 2022 for $275,000, according to the county's recorded deed.

How big is 945 Spruce Dr, Saint Cloud, MN?

945 Spruce Dr, Saint Cloud, MN has 2 bedrooms, 2 bathrooms, 1,215 square feet of living space and a 0.47-acre lot.

When was 945 Spruce Dr, Saint Cloud, MN built?

945 Spruce Dr, Saint Cloud, MN was built in 1961, making it 65 years old. The building has 1 story.

What schools serve 945 Spruce Dr, Saint Cloud, MN?

945 Spruce Dr, 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 945 Spruce Dr, 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 66% of them ($262,932 against a typical $220,052), its price per square foot is higher than 72% of them ($216 against a typical $189), it is bigger than 54% of them (1,215 ft² against a typical 1,184 ft²), its lot is bigger than 90% of them (0.47 ac against a typical 0.2 ac) and it is newer than 39% of them (1961 against a typical 1971). Measured against all of Stearns County, it is worth more than 39% 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 945 Spruce Dr, Saint Cloud, MN?

The 2026 property tax bill for 945 Spruce Dr, Saint Cloud, MN was $2,736. The county assessed it at $208,700.

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