109 Main St, Nerstrand, MN 55053 Property Records

Rice County property record for 109 Main St, Nerstrand, MN 55053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1900
Lot Size	0.199 acres (8,680 sqft)
Owner	Individual Name on File
Tax Bill	$2,032 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21.14.1.27.003`

Property Details

APN / Parcel Number

Primary APN	`21.14.1.27.003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	594 sqft
Basement Area	297 sqft
Unfinished Basement	297 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	A-Frame
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,680 sqft (0.199 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Mixed
Garage Area	814 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Deck Area	Deck Area
Patio Area	519 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	109 MAIN ST
City	NERSTRAND
State	MN
Zip	55053-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 BLOCK 3 OF NERSTRAND 1ST ADD; LOT 21 BLOCK 3 OF NERSTRAND 1ST ADD; LOT 6 OF OSMUND OSMUNDSON 2ND ADD E2 L6 OSMUND
Legal Subdivision	NERSTRAND 1ST ADD
Legal Block	3
Legal Lot Number	6,20-21
Jurisdiction	RICE MN
Township / Civil Division	NERSTRAND
Census Block Group	2
Census Block	2022
Census Tract	70400

Owner

109 Main St is owned and occupied by an individual.

Source: Rice County records, as of June 8, 2026

Owner of Record	Individual Name on File
Mailing Address	109 MAIN ST, NERSTRAND, MN 55053-3801
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
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK
Oct 21, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICE MN
Recording Date	Jul 13, 2026
Property Address	109 MAIN ST, NERSTRAND, MN 55053-3801
Document Number	0000785390
Instrument Date	Jul 2, 2026
Instrument	2026785390
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MAIN ST, NERSTRAND, MN 55053-3801

Mortgage

Document Number	0000785390,
Date	Jul 13, 2026
Instrument	2026785390

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2056

Interest

Rate	6.48%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICE MN
Recording Date	Apr 1, 2026
Property Address	109 MAIN ST, NERSTRAND, MN 55053-3801
Document Number	0000782819
Instrument Date	Feb 27, 2026
Instrument	2026782819
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MAIN ST, NERSTRAND, MN 55053-3801

Mortgage

Document Number	0000782819,
Date	Apr 1, 2026
Instrument	2026782819

Lender

Name	HERITAGE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	RICE MN
Recording Date	Oct 21, 2022
Property Address	109 MAIN ST, NERSTRAND, MN 55053-3801
Document Number	000A755739
Instrument Date	Oct 6, 2022
Instrument	A755739
Transaction Type	Transfer
Record Updated	Nov 2, 2022

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 MAIN ST, NERSTRAND, MN 55053-3801

Tax Assessment & Valuation

The 2026 property tax bill for 109 Main St was $2,032.

Source: Rice County assessment roll, as of June 8, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Rice County
Municipality	Nerstrand City
Unified School District	Faribault Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,032.00	$210,700 (+1.44%) Land $45,600 Building $165,100	$210,700 (+1.44%) Land $45,600 Building $165,100
2025		$207,700 (+20.34%) Land $45,600 Building $162,100	$207,700 (+20.34%) Land $45,600 Building $162,100
2024	$1,762.00 (+24.08%)	$172,600 (-) Land $38,000 Building $134,600	$172,600 (-) Land $38,000 Building $134,600
2023	$1,420.00	$172,600 Land $38,000 Building $134,600	$172,600 Land $38,000 Building $134,600

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

Flood

FEMA maps place 109 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 14, 2022

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

Wildfire risk around 109 Main St is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	Nerstrand serves 299 people · EPA ID MN1660009
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20

May also be available: Minnesota WiFi.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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