Freeborn County property record for 1004 Cato Dr, Albert Lea, MN 56007
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,000 sqft · built 1950 |
| Lot Size | 0.13 acres (5,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $84,000 (Jul 2021) |
| Tax Bill | $1,938 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34.214.0050 |
| Primary APN | 34.214.0050 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 250 sqft |
| Unfinished Basement | 250 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,712 sqft (0.13 acres) |
| Lot Dimensions | 102 ft deep x 56 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Deck Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1004 CATO DR |
|---|---|
| City | ALBERT LEA |
| State | MN |
| Zip | 56007-3868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TROLEN SUBDIVISION LOT-04+ LOT 4 & E 69 1/2 FT LOT 5 TROLEN SUBD CITY OF ALBERT LEA |
| Legal Subdivision | TROLEN SUBDIVISION |
| Legal Lot Number | 4-5 |
| Jurisdiction | FREEBORN MN |
| Township / Civil Division | ALBERT LEA |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 180600 |
1004 Cato Dr is owned and occupied by an individual who bought it in July 2021.
Source: Freeborn County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1004 CATO DR, ALBERT LEA, MN 56007-3868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on File |
| Deed Sale | Jul 30, 2021 · Amount on File |
| Deed Document Number | 2021550016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREEBORN MN |
| Recording Date | Jul 30, 2021 |
| Property Address | 1004 CATO DR, ALBERT LEA, MN 56007-3868 |
| Document Number | 000A550016 |
| Map Reference | BK 51 PG 269 |
| Instrument Date | Jul 21, 2021 |
| Instrument | A550016 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1004 CATO DR, ALBERT LEA, MN 56007-3868 |
| Document Number | 000A550017 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | A550017 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 1004 Cato Dr was $1,938 with a homeowner's exemption.
Source: Freeborn County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Albert Lea City |
| County | Freeborn County |
| Unified School District | Albert Lea Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,938.00 Homeowner's exemption | $151,800 Land $25,400 Building $126,400 | $151,800 Land $25,400 Building $126,400 |
| 2025 | $1,938.00 | ||
| 2023 | $1,830.00 Homeowner's exemption | $132,500 Land $25,400 Building $107,100 | $132,500 Land $25,400 Building $107,100 |
| 2020 | $1,814.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1004 Cato Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective January 26, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1004 Cato Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Albert Lea serves 18,492 people · EPA ID MN1240001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Copper | 1.81 mg/L (2021) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GigFire Fiber · Fixed Wireless | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Winnebago Cooperative Telecom Association Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Midco Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Metronet.
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