106 Ridge Rd, Albert Lea, MN 56007 Property Records

Freeborn County property record for 106 Ridge Rd, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,902 sqft · built 1951
Lot Size	1.21 acres (53,094 sqft)
Owner	Individual Name on File
Last Sale	$256,000 (Mar 2016)
Tax Bill	$10,464 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34.135.1130`

Property Details

APN / Parcel Number

Primary APN	`34.135.1130`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,902 sqft Living Area
1st Floor Area	3,958 sqft
Basement Area	1,460 sqft
Finished Basement	1,460 sqft
Unfinished Basement	505 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,094 sqft (1.21 acres)
Garage Type	Mixed
Garage Area	725 sqft

Exterior Amenities

Porch	Slab
Porch Area	375 sqft
Deck Area	600 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	106 RIDGE RD
City	ALBERT LEA
State	MN
Zip	56007-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHORELAND HEIGHTS LOT-4&5 BLOCK-009 REV DESC NO. 2135 PT LOTS 4 & 5, BLK 9, SHORELAND HEIGHTS(AKA TRACT A ADMINISTRATIVE SURV
Legal Subdivision	SHORELAND HEIGHTS
Legal Tract	A
Legal Block	9
Legal Lot Number	4&5
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	3
Census Block	3018
Census Tract	180400

Owner

106 Ridge Rd is owned and occupied by an individual who bought it in March 2016.

Source: Freeborn County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	106 RIDGE RD, ALBERT LEA, MN 56007-1439
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK HARTLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2016 · Amount on File
Deed Sale	Mar 11, 2016 · Amount on File
Deed Document Number	2016473084
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	106 RIDGE RD, ALBERT LEA, MN 56007-1439
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T116651
Date	Oct 7, 2020
Instrument	T116651

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	106 RIDGE RD, ALBERT LEA, MN 56007-1439
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T115314
Date	Jan 16, 2018
Instrument	T115314

Lender

Name	FARMERS STATE BANK HARTLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	48 Months
Due	Jan 1, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 106 Ridge Rd was $10,464 with a homeowner's exemption.

Source: Freeborn County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Albert Lea City
County	Freeborn County
Unified School District	Albert Lea Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,464.00 Homeowner's exemption	$782,200 Land $107,300 Building $674,900	$782,200 Land $107,300 Building $674,900
2025	$10,464.00
2023	$6,332.00 Homeowner's exemption	$530,000 Land $107,300 Building $422,700	$530,000 Land $107,300 Building $422,700
2020	$5,906.00

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

Flood

FEMA maps place 106 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 26, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 106 Ridge Rd 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 99.8% of the US · lower than 99.4% 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.

Drinking Water

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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 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

May also be available: Metronet.

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