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Single Family ResidenceResidential
$279,265$172 / 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 79How 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

12438 RIDGEWOOD DR NW

ELK RIVER, MN 55330
3
Beds
3 / 1
Baths
1,623 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.
1.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
4
StoriesHow many floors the home has above ground.

Valuation

$279K
$221K low$337K high
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.$160,215
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$128,172
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.43%
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.$79,050
WELLS FARGO BANK NA · recorded Feb 11, 2013
2nd 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.$40,000
BANK OF ELK RIVER

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,322 (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.$477,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$167,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$310,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$475,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$477,600

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.39
34
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
51
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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.6 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.Split Level
CountySHERBURNE
Lot (acres)The size of the land the home sits on, from county records.1.35
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.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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.Wet barDeck · 194 ft²Porch · 120 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Meadowvale Elementary SchoolA-
Elementary · Grades KG–5 · 0.6 mi
M
VandenBerge Middle SchoolB
Middle · Grades 6–8 · 1.3 mi
H
Elk River High SchoolA
High · Grades 9–12 · 1.4 mi

District: Elk River Area Isd 728

Neighborhood · ZIP 55330These 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.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.9

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.49,987
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.465 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$112,701
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,035
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.31 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

12438 Ridgewood Dr 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.

  • Costs less per square foot than 78% of homes in Sherburne County
  • Bigger than 85% of homes in Sherburne County
  • Has a bigger lot than 76% of homes in Elk River 55330
  • Older than 75% of homes in Elk River 55330

What homes are worth in Elk River 55330

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

This home
$128K$617K

This home is worth more than 53% of homes in Elk River 55330.

How it measures up in Elk River 55330

The dot is this home. The mark in the middle is the typical home in Elk River 55330.

Estimated value$279,265
CheaperTypical $272,145Pricier

Pricier than 53% of homes nearby

Price per ft²$172
CheaperTypical $196Pricier

Pricier than 32% of homes nearby

Living area1,623 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 71% of homes nearby

Lot size1.35 ac
SmallerTypical 0.39 acBigger

Bigger than 76% of homes nearby

Year built1986
OlderTypical 2000Newer

Newer than 25% of homes nearby

How 12438 Ridgewood Dr Nw ranks against every home in each area.
MeasureThis homeElk River 55330Sherburne County
Estimated valuepricier than$279,26553% of homes61% of homes
Price per ft²pricier than$17232% of homes22% of homes
Living areabigger than1,623 ft²71% of homes85% of homes
Lot sizebigger than1.35 ac76% of homes60% of homes
Year builtnewer than198625% of homes27% of homes

About 12438 Ridgewood Dr Nw

How much is 12438 Ridgewood Dr Nw, Elk River, MN worth?

The TopHap Estimate for 12438 Ridgewood Dr Nw, Elk River, MN is $279,265 as of Jul 14, 2026. The likely range is $221,186 to $337,344. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12438 Ridgewood Dr Nw, Elk River, MN last sell?

12438 Ridgewood Dr Nw, Elk River, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12438 Ridgewood Dr Nw, Elk River, MN?

12438 Ridgewood Dr Nw, Elk River, MN has 3 bedrooms, 3 bathrooms, 1,623 square feet of living space and a 1.35-acre lot.

When was 12438 Ridgewood Dr Nw, Elk River, MN built?

12438 Ridgewood Dr Nw, Elk River, MN was built in 1986, making it 40 years old. It is a split level home. The building has 4 stories.

What schools serve 12438 Ridgewood Dr Nw, Elk River, MN?

12438 Ridgewood Dr Nw, Elk River, MN is assigned to Meadowvale Elementary School (elementary), rated A-; VandenBerge Middle School (middle), rated B; Elk River High School (high), rated A. All sit in Elk River Area Isd 728. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12438 Ridgewood Dr Nw, Elk River, MN compare to other homes in Elk River 55330?

Among the 16,058 homes in Elk River 55330, it is worth more than 53% of them ($279,265 against a typical $272,145), its price per square foot is higher than 32% of them ($172 against a typical $196), it is bigger than 71% of them (1,623 ft² against a typical 1,330 ft²), its lot is bigger than 76% of them (1.35 ac against a typical 0.39 ac) and it is newer than 25% of them (1986 against a typical 2000). Measured against all of Sherburne County, it is worth more than 61% 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 12438 Ridgewood Dr Nw, Elk River, MN?

The 2025 property tax bill for 12438 Ridgewood Dr Nw, Elk River, MN was $6,322. The county assessed it at $477,600.

More homes on Ridgewood Dr Nw

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Assigned schools

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