Stearns County property record for 115 State St, Elrosa, MN 56325
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,272 sqft · built 1924 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $20,000 (Mar 2002) |
| Tax Bill | $1,312 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-31403-0000 |
| Primary APN | 52-31403-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,272 sqft Living Area |
| Gross Area | 1,400 sqft |
| 1st Floor Area | 624 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Tilt-Up Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,000 sqft (0.207 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 832 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 115 STATE ST |
|---|---|
| City | ELROSA |
| State | MN |
| Zip | 56325-5301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 & S2 OF LOT 14 BLK 2 TOWNSITE OF ELROSA SECTION 09 TOWNSHIP 124 RANGE 034 TOWNSITE OF ELROSA SECTION 09 TOWNSHIP 124 |
| Legal Range | 34W |
| Legal Township | 124 |
| Legal Section | 09 |
| Legal Subdivision | TOWNSITE OF ELROSA |
| Legal Block | 2 |
| Legal Lot Number | 13-14 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ELROSA |
| Census Block Group | 2 |
| Census Block | 2156 |
| Census Tract | 10900 |
115 State St is owned and occupied by an individual who bought it in March 2002.
Source: Stearns County records, as of April 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 14, ELROSA, MN 56325-0014 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2002 · Amount on File |
| Deed Sale | Mar 1, 2002 · Amount on File |
| Prior Sale | Mar 6, 1998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 4, 2026 |
| Property Address | 115 STATE ST, ELROSA, MN 56325-5301 |
| Document Number | 0001718480 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 20261718480 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 115 STATE ST, ELROSA, MN 56325-5301 |
| Document Number | 0001718480, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 20261718480 |
| Name | KENSINGTON BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 28, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 115 State St was $1,312 with a homeowner's exemption.
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | Elrosa City |
| Unified School District | Belgrade-Brooten-Elrosa Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,312.00 | ||
| 2025 | $166,000 Land $12,500 Building $153,500 | $166,000 Land $12,500 Building $153,500 | |
| 2023 | $898.00 | $127,700 Land $12,500 Building $115,200 | $127,700 Land $12,500 Building $115,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 State St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024
| 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.
The area around 115 State St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Arvig Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
May also be available: Mediacom Xtream.
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