109 Karen Cir, Buffalo, MN 55313 Property Records

Wright County property record for 109 Karen Cir, Buffalo, MN 55313

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 904 sqft · built 1976
Lot Size	0.578 acres (25,198 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Jun 2024)
Tax Bill	$3,106 (2026)
Deeds & Mortgages	Nov 2023 Transfer Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-048-001040`

Property Details

APN / Parcel Number

Primary APN	`103-048-001040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	904 sqft Living Area
1st Floor Area	904 sqft
Basement Area	656 sqft
Finished Basement	656 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2006
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	25,198 sqft (0.578 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 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-004 BLOCK-001 LOT4BLK1<3BLK1EX TR DES IN BK258-81SHONHAUGEN 2ND ADDN 001
Legal Range	025
Legal Township	120
Legal Section	31
Legal Subdivision	SHONHAUGEN 2ND ADDN
Legal Block	1,1
Legal Lot Number	4,3
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	109 KAREN CIR, BUFFALO, MN 55313-1243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Intrafamily Transfer, Transfer
Nov 30, 2023	Affidavit of Death of Joint Tenant, Transfer
Oct 1, 2018	Affidavit of Death of Joint Tenant, Transfer SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2024 · Amount on Record
Deed Sale	Jun 11, 2024 · Amount on Record
Deed Document Number	20241656456
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Nov 30, 2023
Property Address	109 KAREN CIR, BUFFALO, MN 55313-1243
Document Number	00A1543370
Instrument Date	Nov 17, 2023
Instrument	A1543370
Transaction Type	Transfer
Record Updated	Jan 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 KAREN CIR, BUFFALO, MN 55313-1243

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WRIGHT MN
Recording Date	Nov 30, 2023
Property Address	109 KAREN CIR, BUFFALO, MN 55313-1243
Document Number	00A1543369
Instrument Date	Nov 17, 2023
Instrument	A1543369
Transaction Type	Transfer
Record Updated	Jan 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 KAREN CIR, BUFFALO, MN 55313-1243

October 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WRIGHT MN
Recording Date	Oct 1, 2018
Property Address	109 KAREN CIR, BUFFALO, MN 55313-1243
Document Number	0001380821
Instrument Date	Aug 27, 2018
Instrument	1380821
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	C U TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 KAREN CIR, BUFFALO, MN 55313-1243

Mortgage

Document Number	0001380822
Date	Oct 1, 2018
Instrument	1380822

Lender

Type	Bank

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Sep 10, 2033

Mortgage

Document Number	0001380822
Date	Oct 1, 2018
Instrument	1380822

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 10, 2033

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	$3,106.00 (+4.51%)	$276,800 (+3.17%) Land $80,000 Building $196,800	$276,800 (+3.17%) Land $80,000 Building $196,800
2025		$268,300 (+5.34%) Land $80,000 Building $188,300	$268,300 (+5.34%) Land $80,000 Building $188,300
2023		$254,700 Land $80,000 Building $174,700	$254,700 Land $80,000 Building $174,700
2022	$2,972.00

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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