Houston County property record for 127 3rd Ave SW, Spring Grove, MN 55974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1977 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Sep 2022) |
| Tax Bill | $2,628 (2026) |
| Deeds & Mortgages | Aug 2020 Refinance Mar 2005 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26.0203.001 |
| Primary APN | 26.0203.001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 1,056 sqft |
| Finished Basement | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Type | Mixed |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 127 3RD AVE SW |
|---|---|
| City | SPRING GROVE |
| State | MN |
| Zip | 55974-1108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-11 TWP-101 RANGE-007 GILBERTSON ADTN SG W END ANNEX LOT-999 S 35 FT LOT 36 & ALL LOT 37 DOC 248610; DOC 287627; DOC 3082 |
| Legal Range | 07 |
| Legal Township | 101 |
| Legal Section | 11 |
| Legal Subdivision | GILBERTSON ADTN |
| Legal Lot Number | 36-37 |
| Jurisdiction | HOUSTON MN |
| Township / Civil Division | SPRING GROVE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 20900 |
127 3rd Ave SW is owned and occupied by an individual who bought it in September 2022.
Source: Houston County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| 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.
| Date | Document |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MERCHANTS BANK NA |
| Mar 28, 2005 | Deed of Trust, Mortgage · ARM ARGENT MORTGAGE CO LLC |
| Oct 13, 2010 | Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA |
| Aug 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MERCHANTS BANK NA |
| Apr 28, 2017 | Warranty Deed, Transfer · ARM MERCHANTS BANK NA |
| Aug 3, 2007 | Trustee's Deed, Foreclosure · Conventional Mortgage COUNTRYWIDE HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2022 · Amount on File |
| Deed Sale | Sep 28, 2022 · Amount on File |
| Prior Sale | Sep 23, 2022 · Amount on File |
| Deed Document Number | 2022308225 |
| Prior Transfer Date | Feb 27, 2007 |
| Prior Transfer Doc | 1248610 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON MN |
| Property Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000A299155 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | A299155 |
| Name | MERCHANTS BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON MN |
| Property Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001237002 |
|---|---|
| Date | Mar 28, 2005 |
| Instrument | 1237002 |
| Name | ARGENT MORTGAGE CO LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.8% |
| Type Change Date | Apr 1, 2007 |
| Change Frequency | 6 Months |
| Min Rate At Change | 8.8% |
| Max Rate At Change | 10.8% |
| Index | 6-Month LIBOR |
| Margin | 6 |
| Max Rate | 14.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON MN |
| Property Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001262998 |
|---|---|
| Date | Oct 13, 2010 |
| Instrument | 1262998 |
| Name | MERCHANTS BANK NA |
|---|---|
| Address | CALEDONIA, MN 55921 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON MN |
| Property Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A299155 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | A299155 |
| Name | MERCHANTS BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOUSTON MN |
| Recording Date | Apr 28, 2017 |
| Property Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Document Number | 287627 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 287627 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $346.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000287628 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 287628 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | ONALASKA, WI 54650 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6.4% |
| Index | 1-Year CMT |
| Margin | 4 |
| Max Rate | 10.4% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HOUSTON MN |
| Recording Date | Aug 3, 2007 |
| Property Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Document Number | 0001248610 |
| Instrument Date | Feb 27, 2007 |
| Instrument | 1248610 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 127 3RD AVE SW, SPRING GROVE, MN 55974-1108 |
| Document Number | 0001248611 |
|---|---|
| Date | Aug 3, 2007 |
| Instrument | 1248611 |
| Name | COUNTRYWIDE HOME LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 235 Months |
| Due | Mar 1, 2027 |
| Document Number | 0001248612 |
|---|---|
| Date | Aug 3, 2007 |
| Instrument | 1248612 |
| Name | COUNTRYWIDE BANK FSB |
|---|---|
| Type | Bank |
| Address | ALEXANDRIA, VA 22314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 127 3rd Ave SW was $2,628 with a homeowner's exemption.
Source: Houston County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Houston County |
| Municipality | Spring Grove City |
| Unified School District | Spring Grove School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,628.00 Homeowner's exemption | $183,400 Land $28,900 Building $154,500 | $183,400 Land $28,900 Building $154,500 |
| 2025 | $2,628.00 | ||
| 2023 | $2,060.00 Homeowner's exemption | $157,500 Land $9,400 Building $148,100 | $157,500 Land $9,400 Building $148,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 127 3rd Ave SW in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 19, 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.
Wildfire risk around 127 3rd Ave SW is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Spring Grove serves 1,291 people · EPA ID MN1280010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spring Grove Communications Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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