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Single Family ResidenceResidential
$192,119$200 / 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 95How 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

786 TERRACE DR

SAINT PAUL, MN 55113
3
Beds
2
Baths
960 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
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.

Valuation

$192K
$182K low$202K 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.$5,561
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$4,449
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.97%
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.$186,558
SUMMIT MORTGAGE · P · recorded Dec 27, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,518 (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.$343,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$243,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$353,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$343,500

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.Ranch
CountyRAMSEY
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1973
Lot (acres)The size of the land the home sits on, from county records.0.26
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Shed · 120 ft²

Transaction History(2)

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
Roseville Area High SchoolB-
High · Grades 9–12 · 1.1 mi
E
Emmet D. Williams Elementary SchoolB
Elementary · Grades KG–6 · 1.1 mi
M
Roseville Area Middle School
Middle · Grades 7–8 · 1.7 mi

District: Roseville Public School District

Neighborhood · ZIP 55113These 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.87
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
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.40,782
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,604 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,491
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119,891
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.32 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

786 Terrace 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 less than 85% of homes in South Owasso
  • Smaller than 90% of homes in South Owasso

What homes are worth in Saint Paul 55113

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

This home
$101K$656K

This home is worth more than 15% of homes in Saint Paul 55113.

How it measures up in Saint Paul 55113

The dot is this home. The mark in the middle is the typical home in Saint Paul 55113.

Estimated value$192,119
CheaperTypical $261,002Pricier

Pricier than 15% of homes nearby

Price per ft²$200
CheaperTypical $200Pricier

Pricier than 50% of homes nearby

Living area960 ft²
SmallerTypical 1,270 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.26 ac
SmallerTypical 0.26 acBigger

Bigger than 50% of homes nearby

Year built1968
OlderTypical 1961Newer

Newer than 62% of homes nearby

How 786 Terrace Dr ranks against every home in each area.
MeasureThis homeSouth OwassoSaint Paul 55113Ramsey County
Estimated valuepricier than$192,11915% of homes15% of homes29% of homes
Price per ft²pricier than$20044% of homes50% of homes52% of homes
Living areabigger than960 ft²10% of homes15% of homes17% of homes
Lot sizebigger than0.26 ac43% of homes50% of homes64% of homes
Year builtnewer than196851% of homes62% of homes63% of homes

About 786 Terrace Dr

How much is 786 Terrace Dr, Saint Paul, MN worth?

The TopHap Estimate for 786 Terrace Dr, Saint Paul, MN is $192,119 as of Jul 14, 2026. The likely range is $182,208 to $202,030. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 786 Terrace Dr, Saint Paul, MN last sell?

786 Terrace Dr, Saint Paul, MN last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 786 Terrace Dr, Saint Paul, MN?

786 Terrace Dr, Saint Paul, MN has 3 bedrooms, 2 bathrooms, 960 square feet of living space and a 0.26-acre lot.

When was 786 Terrace Dr, Saint Paul, MN built?

786 Terrace Dr, Saint Paul, MN was built in 1968, making it 58 years old. It is a ranch home. The building has 1 story.

What schools serve 786 Terrace Dr, Saint Paul, MN?

786 Terrace Dr, Saint Paul, MN is assigned to Roseville Area High School (high), rated B-; Emmet D. Williams Elementary School (elementary), rated B; Roseville Area Middle School (middle). All sit in Roseville Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 786 Terrace Dr, Saint Paul, MN compare to other homes in Saint Paul 55113?

Among the 13,261 homes in Saint Paul 55113, it is worth more than 15% of them ($192,119 against a typical $261,002), its price per square foot is higher than 50% of them ($200 against a typical $200), it is bigger than 15% of them (960 ft² against a typical 1,270 ft²), its lot is bigger than 50% of them (0.26 ac against a typical 0.26 ac) and it is newer than 62% of them (1968 against a typical 1961). Measured against all of Ramsey County, it is worth more than 29% 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 786 Terrace Dr, Saint Paul, MN?

The 2025 property tax bill for 786 Terrace Dr, Saint Paul, MN was $4,518. The county assessed it at $343,500.

More homes on Terrace Dr

Closest homes

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Assigned schools

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