Chippewa County property record for 120 Elm, Watson, MN 56295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,235 sqft |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Nov 2025) |
| Tax Bill | $2,006 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2023 Mortgage + 2 more |
| APN | 90-020-0120 |
| Primary APN | 90-020-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 1,235 sqft Base Area |
| 1st Floor Area | 1,235 sqft |
| Construction Type | Frame |
|---|---|
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Detached |
| Cooling System | Central |
|---|
| Account Number | 25846 |
|---|---|
| Street Address | 120 ELM |
| City | WATSON |
| State | MN |
| Zip | 56295-1700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAUGLANDS 2ND ADDITION W 1-2 OF LOT 2 & ALL OF 3 BLOCK 1 |
| Legal Subdivision | HAUGLANDS 2ND ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | CHIPPEWA MN |
| Township / Civil Division | WATSON |
| Census Block Group | 2 |
| Census Block | 2197 |
| Census Tract | 950500 |
Source: Chippewa County records, as of July 28, 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 | 120 ELM, WATSON, MN 56295-1700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT |
| Aug 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT |
| Nov 19, 2025 | Warranty Deed, Transfer · Line of Credit CO-OP CREDIT UNION OF MONTEVIDEO |
| Jul 24, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2025 · Amount on Record |
| Deed Sale | Nov 19, 2025 · Amount on Record |
| Prior Sale | Jul 24, 2019 · Amount on Record |
| Deed Document Number | 2025320233 |
| Prior Transfer Date | May 24, 2024 |
| Prior Transfer Doc | 0000317056 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHIPPEWA MN |
| Property Address | 120 ELM, WATSON, MN 56295-1700 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000315470 |
|---|---|
| Date | Aug 30, 2023 |
| Instrument | A000315470 |
| Name | SECRETARY OF HSNG AND URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHIPPEWA MN |
| Property Address | 120 ELM, WATSON, MN 56295-1700 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000315340 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | A000315340 |
| Name | SECRETARY OF HSNG AND URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHIPPEWA MN |
| Recording Date | Nov 19, 2025 |
| Property Address | 120 ELM, WATSON, MN 56295-1700 |
| Document Number | A000320233 |
| Instrument Date | Nov 14, 2025 |
| Instrument | A000320233 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 ELM, WATSON, MN 56295-1700 |
| Document Number | A000320234 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | A000320234 |
| Name | CO-OP CREDIT UNION OF MONTEVIDEO |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHIPPEWA MN |
| Recording Date | Jul 24, 2019 |
| Property Address | 120 ELM, WATSON, MN 56295-1700 |
| Document Number | A000304406 |
| Instrument Date | Jul 23, 2019 |
| Instrument | A000304406 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 ELM, WATSON, MN 56295-1700 |
| Document Number | A000304407 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | A000304407 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
Source: Chippewa County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Chippewa County |
| Municipality | Watson City |
| Unified School District | Montevideo Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,006.00 (+3.83%) Homeowner's exemption | $104,000 (+6.78%) Land $1,800 Building $102,200 | $104,000 (+6.78%) Land $1,800 Building $102,200 |
| 2025 | $97,400 (-) Land $1,800 Building $95,600 | $97,400 (-) Land $1,800 Building $95,600 | |
| 2024 | $1,932.00 (-22.97%) | ||
| 2023 | $97,400 Land $1,800 Building $95,600 | $97,400 Land $1,800 Building $95,600 | |
| 2022 | $2,508.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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 | Watson serves 175 people · EPA ID MN1120006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Farmers Mutual Cooperative Telephone Company Fiber | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
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