Olmsted County property record for 12 Main St N, Chatfield, MN 55923
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 958 sqft · built 1958 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,000 (Aug 2018) |
| Tax Bill | $4,232 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51.31.34.000332 |
| Primary APN | 51.31.34.000332 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 958 sqft Living Area |
| 1st Floor Area | 958 sqft |
| Basement Area | 958 sqft |
| Unfinished Basement | 958 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 128 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12 MAIN ST N |
|---|---|
| City | CHATFIELD |
| State | MN |
| Zip | 55923-1809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-31 TWP-105 RANGE-011 TWIFORD AND COS ADD LOT-004 BLOCK-002 LOT 4 BLK 2 |
| Legal Range | 11 |
| Legal Township | 105 |
| Legal Section | 31 |
| Legal Subdivision | TWIFORD AND COS ADD |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | OLMSTED MN |
| Township / Civil Division | CHATFIELD |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 2000 |
Source: Olmsted County records, as of August 18, 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 | 12 MAIN ST N, CHATFIELD, MN 55923-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Aug 13, 2018 | Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2018 · Amount on Record |
| Deed Sale | Aug 13, 2018 · Amount on Record |
| Prior Sale | Feb 13, 2009 · Amount on Record |
| Deed Document Number | 20181455449 |
| Prior Transfer Date | Feb 3, 2009 |
| Prior Transfer Doc | 00A1190261 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Property Address | 12 MAIN ST N, CHATFIELD, MN 55923-1809 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12 MAIN ST N, CHATFIELD, MN 55923-1809 |
| Document Number | 00A1563446 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | A-1563446 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLMSTED MN |
| Recording Date | Aug 13, 2018 |
| Property Address | 12 MAIN ST N, CHATFIELD, MN 55923-1809 |
| Document Number | 00A1455449 |
| Instrument Date | Jul 27, 2018 |
| Instrument | A-1455449 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | ROCHESTER TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $458.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12 MAIN ST N, CHATFIELD, MN 55923-1809 |
| Document Number | 00A1455450 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | A-1455450 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Number | 00A1455451 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | A-1455451 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2048 |
Source: Olmsted County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Olmsted County |
| Municipality | Chatfield City |
| Unified School District | Chatfield Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,232.00 (+4.55%) Homeowner's exemption | ||
| 2025 | $4,048.00 Homeowner's exemption | $158,000 (-13.33%) Land $29,500 Building $128,500 | $187,600 (+2.91%) Land $35,000 Building $152,600 |
| 2024 | $182,300 Land $35,000 Building $147,300 | $182,300 Land $35,000 Building $147,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Chatfield serves 3,005 people · EPA ID MN1230002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hiawatha Broadband Communications Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber, Fixed Wireless in parts of the area | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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