14031 Zero Ave, Plato, MN 55370 Property Records

McLeod County property record for 14031 Zero Ave, Plato, MN 55370

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,878 sqft · built 1890
Lot Size	10.2 acres (448,232 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,900 (Oct 2018)
Tax Bill	$4,142 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02.025.0300`

Property Details

APN / Parcel Number

Primary APN	`02.025.0300`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,878 sqft Total Area
1st Floor Area	1,120 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1950
Exterior Material	Metal
Roof Type	Gable
Roof Material	Asphalt
Lot Area	448,232 sqft (10.2 acres)

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Shed	1 Shed
Shed Area	1,000 sqft
Quonset Hut	4,400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	14031 ZERO AVE
City	PLATO
State	MN
Zip	55370-8102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-25 TWP-116 RANGE-027 10.29 AC 10.29 AC IN SW 1/4 SW 1/4
Legal Range	27E
Legal Township	116
Legal Section	25
Jurisdiction	MCLEOD MN
Township / Civil Division	BERGEN
Census Block Group	2
Census Block	2067
Census Tract	950600

Owner

Source: McLeod County records, as of April 14, 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	14031 ZERO AVE, PLATO, MN 55370-8102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK
Feb 14, 2024	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Oct 25, 2018	Warranty Deed, Transfer · Conventional Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Deed Document Number	2018437710
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	14031 ZERO AVE, PLATO, MN 55370-8102
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000467293
Date	Mar 18, 2024
Instrument	467293

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 15, 2029

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	14031 ZERO AVE, PLATO, MN 55370-8102
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000466979
Date	Feb 14, 2024
Instrument	466979

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 15, 2029

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	14031 ZERO AVE, PLATO, MN 55370-8102
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000447033
Date	Aug 7, 2020
Instrument	447033

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Oct 25, 2018
Property Address	14031 ZERO AVE, PLATO, MN 55370-8102
Document Number	0000437710
Instrument Date	Oct 24, 2018
Instrument	437710
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	AUTHORITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,319.67
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14031 ZERO AVE, PLATO, MN 55370-8102

Mortgage

Document Number	0000437711
Date	Oct 25, 2018
Instrument	437711

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: McLeod County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	McLeod County
County Subdivision	Bergen Township
Unified School District	Glencoe-Silver Lake School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,142.00 (+125.6%) Homeowner's exemption
2025		$478,800 (+3.82%) Land $204,900 Building $273,900	$478,800 (+3.82%) Land $204,900 Building $273,900
2022		$461,200 Land $195,500 Building $265,700	$461,200 Land $195,500 Building $265,700
2019	$1,836.00

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Broadband Fixed Wireless	100 / 20

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