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Single Family ResidenceResidential
$115,433$108 / 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 83How 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 $108,000 on Oct 9, 2024

520 S RIVER ST

COOK, MN 55723
3
Beds
1
Baths
1,070 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.
2
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$115K
$96K low$135K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$108,000 · Oct 9, 2024
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.$18,233
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$14,586
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.83%
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.$97,200
NORTH STAR CU · recorded Oct 9, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,054 (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.$108,100 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$106,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$108,100

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySt. Louis
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.SaunaDeck · 10 ft²Porch · 152 ft²

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.

E
North Woods Elementary SchoolC
Elementary · Grades PK–6 · 4.9 mi
M
North Woods Secondary SchoolA-
Middle · Grades 7–12 · 4.9 mi

District: St. Louis County School District

Neighborhood · ZIP 55723These 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.166
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
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.47%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,142
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,600
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,575
Average tempThe average temperature here across a full year.38°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%

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

520 S River 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.

  • Worth less than 80% of homes in St. Louis County
  • Costs less per square foot than 79% of homes in St. Louis County

What homes are worth in Cook 55723

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

This home
$43K$821K

This home is worth more than 38% of homes in Cook 55723.

How it measures up in Cook 55723

The dot is this home. The mark in the middle is the typical home in Cook 55723.

Estimated value$115,433
CheaperTypical $145,417Pricier

Pricier than 38% of homes nearby

Price per ft²$108
CheaperTypical $144Pricier

Pricier than 29% of homes nearby

Living area1,070 ft²
SmallerTypical 985 ft²Bigger

Bigger than 55% of homes nearby

How 520 S River St ranks against every home in each area.
MeasureThis homeCook 55723St. Louis County
Estimated valuepricier than$115,43338% of homes20% of homes
Price per ft²pricier than$10829% of homes21% of homes
Living areabigger than1,070 ft²55% of homes39% of homes

About 520 S River St

How much is 520 S River St, Cook, MN worth?

The TopHap Estimate for 520 S River St, Cook, MN is $115,433 as of Jul 14, 2026. The likely range is $96,356 to $134,510. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 S River St, Cook, MN last sell?

520 S River St, Cook, MN last sold on Oct 9, 2024 for $108,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 520 S River St, Cook, MN?

520 S River St, Cook, MN has 3 bedrooms, 1 bathrooms and 1,070 square feet of living space.

What schools serve 520 S River St, Cook, MN?

520 S River St, Cook, MN is assigned to North Woods Elementary School (elementary), rated C; North Woods Secondary School (middle), rated A-. All sit in St. Louis County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 520 S River St, Cook, MN compare to other homes in Cook 55723?

Among the 3,102 homes in Cook 55723, it is worth more than 38% of them ($115,433 against a typical $145,417), its price per square foot is higher than 29% of them ($108 against a typical $144) and it is bigger than 55% of them (1,070 ft² against a typical 985 ft²). Measured against all of St. Louis County, it is worth more than 20% 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 520 S River St, Cook, MN?

The 2025 property tax bill for 520 S River St, Cook, MN was $1,054. The county assessed it at $108,100.

More homes on S River St

Closest homes

More homes in Cook 55723

Assigned schools

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