1118 12th St S, Virginia, MN 55792 Property Records

St. Louis County property record for 1118 12th St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 720 sqft · built 1953
Lot Size	0.151 acres (6,610 sqft)
Owner	Individual Name on Record
Last Sale	$58,900 (Nov 2001)
Tax Bill	$592 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-0153-00250`

Property Details

APN / Parcel Number

Primary APN	`090-0153-00250`
Alternative APN	`992487`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Gross Area
1st Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,610 sqft (0.151 acres)
Garage Area	782 sqft
Deck Area	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	992487
Street Address	1118 12TH ST S
City	VIRGINIA
State	MN
Zip	55792-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC THAT PART OF ALLEY DESCRIBED ASFOLLOWS BEG AT SW COR OF LOT 6 BLK 2THENCE S02DEG52'07"E 49.90 FT TO A PT ONN R.O.W.
Legal Subdivision	SUNSET ADD TO VIRGINIA
Legal Block	2
Legal Lot Number	6
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 August 17, 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	1118 12TH ST S, VIRGINIA, MN 55792-3230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CREDIT UNION
Jun 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage THRIVENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2001 · Amount on Record
Deed Sale	Nov 20, 2001 · Amount on Record
Deed Document Number	2001711626
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 5, 2026
Property Address	1118 12TH ST S, VIRGINIA, MN 55792-3230
Document Number	0001101187
Instrument Date	Apr 16, 2026
Instrument	20261101187
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001101187,
Date	May 5, 2026
Instrument	20261101187

Lender

Name	NORTHERN COMMUNITIES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 28, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.54%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1118 12TH ST S, VIRGINIA, MN 55792-3230
Document Number	00T1011970
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 12TH ST S VIRGINIA MN 557923230, VIRGINIA, MN 55792-3230

Mortgage

Document Number	00T1011970
Date	Jul 1, 2019
Instrument	T1011970

Lender

Name	THRIVENT FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55415

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2034

Interest

Rate Type	Adjustable Rate
Rate	4.99%

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	$592.00 (+89.74%) Homeowner's exemption
2025	$312.00 (-50.48%) Homeowner's exemption	$88,000 (+23.08%) Land $6,200 Building $81,800	$88,000 (+23.08%) Land $6,200 Building $81,800
2024	$630.00	$71,500 (+5.46%) Land $5,400 Building $66,100	$71,500 (+5.46%) Land $5,400 Building $66,100
2022		$67,800 Land $5,400 Building $62,400	$67,800 Land $5,400 Building $62,400

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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