107 Ridge Rd, Albert Lea, MN 56007 Property Records

Freeborn County property record for 107 Ridge Rd, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,020 sqft · built 1953
Lot Size	0.309 acres (13,469 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Nov 2019)
Tax Bill	$5,088 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34.135.0980`

Property Details

APN / Parcel Number

Primary APN	`34.135.0980`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,020 sqft Living Area
1st Floor Area	1,404 sqft
Basement Area	1,364 sqft
Finished Basement	1,364 sqft
Unfinished Basement	2,020 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Flat
Roof Material	Urethane Foam
Lot Area	13,469 sqft (0.309 acres)
Lot Dimensions	161 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	483 sqft
Deck Area	71 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	107 RIDGE RD
City	ALBERT LEA
State	MN
Zip	56007-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHORELAND HEIGHTS LOT-004 BLOCK-008 LOT 4 BLK 8 SHORELAND HEIGHTS
Legal Subdivision	SHORELAND HEIGHTS
Legal Block	8
Legal Lot Number	4
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	3
Census Block	3019
Census Tract	180400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	107 RIDGE RD, ALBERT LEA, MN 56007-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 21, 2019	Warranty Deed, Transfer · FHA Mortgage HOME FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on Record
Deed Sale	Nov 21, 2019 · Amount on Record
Deed Document Number	2019V1039936
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	107 RIDGE RD, ALBERT LEA, MN 56007-1440
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T115134
Date	Sep 22, 2017
Instrument	T115134

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2047

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	107 RIDGE RD, ALBERT LEA, MN 56007-1440
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T114707
Date	Jan 6, 2017
Instrument	T114707

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2031

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREEBORN MN
Recording Date	Nov 21, 2019
Property Address	107 RIDGE RD, ALBERT LEA, MN 56007-1440
Document Number	CRV1039936
Instrument Date	Nov 21, 2019
Instrument	CRV1039936
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 S BRISTOL CIR, 704, WICHITA, KS 67207-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 RIDGE RD, ALBERT LEA, MN 56007-1440

Mortgage

Document Number	000T116213
Date	Nov 27, 2019
Instrument	T116213

Lender

Name	HOME FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$5,088.00 Homeowner's exemption	$306,200 (+11.47%) Land $30,500 Building $275,700	$306,200 (+11.47%) Land $30,500 Building $275,700
2025	$5,088.00 (+21.09%)
2023	$4,202.00 (+13.44%) Homeowner's exemption	$274,700 Land $30,500 Building $244,200	$274,700 Land $30,500 Building $244,200
2020	$3,704.00

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 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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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