103 Karen Cir, Buffalo, MN 55313 Property Records

Wright County property record for 103 Karen Cir, Buffalo, MN 55313

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,092 sqft · built 1973
Lot Size	0.355 acres (15,498 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,308 (2026)
Deeds & Mortgages	Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`103-048-001010`

Property Details

APN / Parcel Number

Primary APN	`103-048-001010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	819 sqft
Finished Basement	819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1990
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	15,498 sqft (0.355 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	103 KAREN CIR
City	BUFFALO
State	MN
Zip	55313-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-120 RANGE-025 SHONHAUGEN 2ND ADDN LOT-001 BLOCK-001 001
Legal Range	025
Legal Township	120
Legal Section	31
Legal Subdivision	SHONHAUGEN 2ND ADDN
Legal Block	1
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	BUFFALO
Census Block Group	4
Census Block	4003
Census Tract	100701

Owner

Source: Wright County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 KAREN CIR, BUFFALO, MN 55313-1243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	103 KAREN CIR, BUFFALO, MN 55313-1243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001374753
Date	Jul 13, 2018
Instrument	1374753

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Buffalo City
County	Wright County
Unified School District	Buffalo-Hanover-Montrose Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,308.00 (+7.96%)	$292,300 (+3.18%) Land $80,000 Building $212,300	$292,300 (+3.18%) Land $80,000 Building $212,300
2025		$283,300 (+1.36%) Land $80,000 Building $203,300	$283,300 (+1.36%) Land $80,000 Building $203,300
2023	$3,064.00 (+11.99%)	$279,500 Land $80,000 Building $199,500	$279,500 Land $80,000 Building $199,500
2022	$2,736.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Buffalo serves 16,711 people · EPA ID MN1860005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Buffalo Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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