1108 12th St S, Virginia, MN 55792 Property Records

St. Louis County property record for 1108 12th St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 804 sqft · built 1953
Lot Size	0.137 acres (5,997 sqft)
Owner	Individual Name on Record
Last Sale	$129,900 (Nov 2021)
Tax Bill	$1,448 (2026)
Deeds & Mortgages	Sep 2026 Sale Oct 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`090-0153-00300`

Property Details

APN / Parcel Number

Primary APN	`090-0153-00300`
Alternative APN	`1120423`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	804 sqft Gross Area
1st Floor Area	804 sqft
Basement Area	603 sqft
Finished Basement	603 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	5,997 sqft (0.137 acres)
Garage Area	352 sqft

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Patio Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1120423
Street Address	1108 12TH ST S
City	VIRGINIA
State	MN
Zip	55792-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:002 SERIAL #
Legal Subdivision	SUNSET ADD TO VIRGINIA
Legal Block	2
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	3
Census Block	3037
Census Tract	13200

Owner

Source: St. Louis County records, as of October 1, 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	1108 12TH ST S, VIRGINIA, MN 55792-3230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Affidavit, Transfer
Oct 18, 2021	Deed of Trust, Mortgage · Line of Credit THE MINERS NATIONAL BANK OF EVELETH
Nov 8, 2021	Warranty Deed, Construction Loan · Construction Mortgage NORTHERN STATE BANK OF VIRGINIA
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Feb 22, 2018	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Prior Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	20211049139
Last Transfer Date	Mar 9, 2023
Transfer Doc	0001066688
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST LOUIS MN
Recording Date	Sep 15, 2026
Property Address	1108 12TH ST S, VIRGINIA, MN 55792-3230
Document Number	0001105954
Instrument Date	Sep 15, 2026
Instrument	20261105954
Transaction Type	Transfer
Record Updated	Oct 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 12TH ST S, VIRGINIA, MN 55792-3230

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1108 12TH ST S, VIRGINIA, MN 55792-3230
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001048344
Date	Oct 18, 2021
Instrument	1048344

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Sep 29, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 8, 2021
Property Address	1108 12TH ST S, VIRGINIA, MN 55792-3230
Document Number	0001049139
Instrument Date	Oct 27, 2021
Instrument	1049139
Transaction Type	Construction Loan
Record Updated	Jan 18, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$428.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 12TH ST S, VIRGINIA, MN 55792-3230

Mortgage

Document Number	0001049140
Date	Nov 8, 2021
Instrument	1049140

Lender

Name	NORTHERN STATE BANK OF VIRGINIA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1108 12TH ST S, VIRGINIA, MN 55792-3230
Document Number	00T1031740
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 12TH ST S VIRGINIA MN 557923230, VIRGINIA, MN 55792-3230

Mortgage

Document Number	00T1031740
Date	Nov 6, 2020
Instrument	T1031740

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2035

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 22, 2018
Property Address	1108 12TH ST S, VIRGINIA, MN 55792-3230
Document Number	000T995376
Instrument Date	Feb 16, 2018
Instrument	T995376
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.67
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3516 1ST AVE HIBBING MN 557462755, HIBBING, MN 55746-2755

Mortgage

Document Number	T995377
Date	Feb 22, 2018
Instrument	T995377

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2048

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,448.00 (+40.58%) Homeowner's exemption
2025	$1,030.00 (-21.01%) Homeowner's exemption	$131,500 (+18.26%) Land $6,900 Building $124,600	$131,500 (+18.26%) Land $6,900 Building $124,600
2024	$1,304.00	$111,200 (+25.08%) Land $5,900 Building $105,300	$111,200 (+25.08%) Land $5,900 Building $105,300
2022		$88,900 Land $5,900 Building $83,000	$88,900 Land $5,900 Building $83,000

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 March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) 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. 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC.

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