118 E 4th St, Zumbrota, MN 55992 Property Records

Goodhue County property record for 118 E 4th St, Zumbrota, MN 55992

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,652 sqft · built 1918
Lot Size	0.17 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$73,400 (Jan 2019)
Tax Bill	$2,710 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72.100.2990`

Property Details

APN / Parcel Number

Primary APN	`72.100.2990`
Alternative APN	`46975`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,652 sqft Living Area
Attic	Attic
Attic Area	353 sqft
Basement Area	756 sqft
Finished Basement	705 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1940
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.17 acres)
Lot Width	60 ft Width
Garage Type	Detached
Garage Area	216 sqft
Driveway	Driveway
Porch	Slab
Porch Area	129 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	46975
Street Address	118 E 4TH ST
City	ZUMBROTA
State	MN
Zip	55992-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT ID# 22-0100-29200 DOC #652971 W1/2 OF LOTS 3 AND 4 BLK 69
Legal Subdivision	ORIGINAL PLAT
Legal Block	69
Legal Lot Number	3-4
Jurisdiction	GOODHUE MN
Township / Civil Division	ZUMBROTA
Census Block Group	4
Census Block	4020
Census Tract	80900

Owner

Source: Goodhue County records, as of August 10, 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	118 E 4TH ST, ZUMBROTA, MN 55992-1520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage MARINE CU
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF ZUMBROTA
Oct 11, 2022	Transfer on Death Deed, Transfer
Jan 31, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2019 · Amount on Record
Deed Sale	Jan 31, 2019 · Amount on Record
Prior Sale	Apr 26, 2001 · Amount on Record
Deed Document Number	2019652971
Last Transfer Date	Oct 6, 2022
Transfer Doc	000A688880
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GOODHUE MN
Property Address	118 E 4TH ST, ZUMBROTA, MN 55992-1520
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A697198
Date	Jan 26, 2024
Instrument	A697198

Lender

Name	MARINE CU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	9.38%
Type Change Date	Feb 1, 2029
Change Frequency	Monthly
Min Rate At Change	9.38%
Max Rate At Change	11.3%
Index	1-Year T-Bill
Max Rate	15.3%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GOODHUE MN
Property Address	118 E 4TH ST, ZUMBROTA, MN 55992-1520
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E 4TH ST, ZUMBROTA, MN 55992-1520

Mortgage

Document Number	000A687335
Date	Aug 8, 2022
Instrument	A687335

Lender

Name	BANK OF ZUMBROTA
Type	Bank
Address	ZUMBROTA, MN 55992

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	63 Months
Due	Nov 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	GOODHUE MN
Recording Date	Oct 11, 2022
Property Address	118 E 4TH ST, ZUMBROTA, MN 55992-1520
Document Number	000A688880
Instrument Date	Oct 6, 2022
Instrument	A688880
Transaction Type	Transfer
Record Updated	Oct 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GOODHUE MN
Recording Date	Jan 31, 2019
Property Address	118 E 4TH ST, ZUMBROTA, MN 55992-1520
Document Number	A652971
Instrument Date	Dec 18, 2018
Instrument	A652971
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	118 E 4TH ST, ZUMBROTA, MN 55992-1520

Tax Assessment & Valuation

Source: Goodhue County assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Goodhue County
Municipality	Zumbrota City
Unified School District	Zumbrota-Mazeppa School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,710.00 (+8.66%) Homeowner's exemption	$201,100 (+4.74%) Land $40,500 Building $160,600	$201,100 (+4.74%) Land $40,500 Building $160,600
2025		$192,000 (+2.89%) Land $38,500 Building $153,500	$192,000 (+2.89%) Land $38,500 Building $153,500
2023	$2,494.00 Homeowner's exemption	$186,600 Land $38,500 Building $148,100	$186,600 Land $38,500 Building $148,100

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 November 9, 2016

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	Zumbrota serves 3,172 people · EPA ID MN1250020
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2022–2024) 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hiawatha Broadband Communications Fixed Wireless	100 / 20
TSC DSL · Fiber in parts of the area	100 / 20

May also be available: GigFire, Minnesota WiFi.

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