McLeod County property record for 12954 Zero Ave, Plato, MN 55370
| Property Type | Single Family Home |
|---|---|
| Details | 1,437 sqft · built 1974 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,854 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07.001.1000 |
| Primary APN | 07.001.1000 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,437 sqft Total Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 966 sqft |
| Finished Basement | 966 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Carport |
| Garage Area | 672 sqft |
| Carport | Carport |
| Carport Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 60 sqft |
| Pole Barn | 1,024 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12954 ZERO AVE |
|---|---|
| City | PLATO |
| State | MN |
| Zip | 55370-5437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-01 TWP-115 RANGE-027 2.00 AC W 12.8 RDS OF N 25 RDS NW 1/4 NW 1/4 NE 1/4 |
| Legal Range | 27E |
| Legal Township | 115 |
| Legal Section | 01 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | HELEN |
| Census Block Group | 2 |
| Census Block | 2088 |
| Census Tract | 950600 |
12954 Zero Ave is owned and occupied by two individuals.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12954 ZERO AVE, PLATO, MN 55370-5437 |
| 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 |
|---|---|
| Oct 4, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 12954 ZERO AVE, PLATO, MN 55370-5437 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000465517 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | 465517 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 29, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 12954 ZERO AVE, PLATO, MN 55370-5437 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 454025 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 454025 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 12954 Zero Ave was $2,854 with a homeowner's exemption.
Source: McLeod County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | McLeod County |
| County Subdivision | Helen Township |
| Unified School District | Glencoe-Silver Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,854.00 Homeowner's exemption | ||
| 2025 | $355,900 Land $106,200 Building $249,700 | $355,900 Land $106,200 Building $249,700 | |
| 2022 | $291,000 Land $84,200 Building $206,800 | $291,000 Land $84,200 Building $206,800 | |
| 2019 | $1,818.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12954 Zero Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective January 23, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1997–2002) |
| Most Recent Claim | Jun 2002 · Severe Storms, Flooding And Tornadoes |
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.
The area around 12954 Zero Ave 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
| Nuvera Communications Fixed Wireless | 100 / 20 |
| Broadband Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures