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Single Family ResidenceResidential
$77,165$73 / 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 Jul 14, 2026

98 ARBOR ST

SAINT CLOUD, MN 56301
2
Beds
0
Baths
1,056 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.
2021
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.

Valuation

$77K
$69K low$85K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$242 (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.$24,600 (2026)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$24,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$23,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$24,600

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.45
73
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.
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.48 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
CountySTEARNS
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
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
Discovery Community SchoolD
Elementary · Grades PK–5 · 2.2 mi
H
Apollo High SchoolC-
High · Grades 9–12 · 4.1 mi
M
North Junior High SchoolD
Middle · Grades 6–8 · 4.9 mi

District: St. Cloud Area School District

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%

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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

98 Arbor 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.

  • Among the least valuable homes in Saint Cloud 56301
  • Costs less per square foot than 97% of homes in Saint Cloud 56301
  • Smaller than 81% of homes in Saint Cloud 56301
  • Newer than 98% 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
$80K$598K

This home is worth less 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$77,165
CheaperTypical $207,229Pricier

Cheaper than almost all homes nearby

Price per ft²$73
CheaperTypical $148Pricier

Pricier than 3% of homes nearby

Living area1,056 ft²
SmallerTypical 1,394 ft²Bigger

Bigger than 19% of homes nearby

Year built2021
OlderTypical 1983Newer

Newer than 98% of homes nearby

How 98 Arbor St ranks against every home in each area.
MeasureThis homeSaint Cloud 56301Stearns County
Estimated valuepricier than$77,165almost no homesalmost no homes
Price per ft²pricier than$733% of homes3% of homes
Living areabigger than1,056 ft²19% of homes21% of homes
Year builtnewer than202198% of homes98% of homes

About 98 Arbor St

How much is 98 Arbor St, Saint Cloud, MN worth?

The TopHap Estimate for 98 Arbor St, Saint Cloud, MN is $77,165 as of Jul 14, 2026. The likely range is $69,375 to $84,955. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 Arbor St, Saint Cloud, MN last sell?

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

How big is 98 Arbor St, Saint Cloud, MN?

98 Arbor St, Saint Cloud, MN has 2 bedrooms and 1,056 square feet of living space.

When was 98 Arbor St, Saint Cloud, MN built?

98 Arbor St, Saint Cloud, MN was built in 2021, making it 5 years old.

What schools serve 98 Arbor St, Saint Cloud, MN?

98 Arbor St, Saint Cloud, MN is assigned to Discovery Community School (elementary), rated D; Apollo High School (high), rated C-; 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 98 Arbor St, 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 none of them ($77,165 against a typical $207,229), its price per square foot is higher than 3% of them ($73 against a typical $148), it is bigger than 19% of them (1,056 ft² against a typical 1,394 ft²) and it is newer than 98% of them (2021 against a typical 1983). Measured against all of Stearns County, it is worth more than almost no 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 98 Arbor St, Saint Cloud, MN?

The 2025 property tax bill for 98 Arbor St, Saint Cloud, MN was $242. The county assessed it at $24,600.

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