1602 W River St, Monticello, MN 55362 Property Records

Wright County property record for 1602 W River St, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,434 sqft · built 1984
Lot Size	0.363 acres (15,822 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Aug 2025)
Tax Bill	$3,826 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`155-021-002030`

Property Details

APN / Parcel Number

Primary APN	`155-021-002030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Basement Area	656 sqft
Finished Basement	656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	15,822 sqft (0.363 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	424 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1602 W RIVER ST
City	MONTICELLO
State	MN
Zip	55362-8959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-03 TWP-121 RANGE-025 RITZE MANOR LOT-003 BLOCK-002
Legal Range	025
Legal Township	121
Legal Section	03
Legal Subdivision	RITZE MANOR
Legal Block	2
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	1
Census Block	1022
Census Tract	100203

Owner

1602 W River St is owned and occupied by two individuals who bought it in August 2025.

Source: Wright County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1602 W RIVER ST, MONTICELLO, MN 55362-8959
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Sep 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CLASS MORTGAGE V INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2025 · Amount on File
Deed Sale	Aug 26, 2025 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	20251584108
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 26, 2025
Property Address	1602 W RIVER ST, MONTICELLO, MN 55362-8959
Document Number	00A1584108
Instrument Date	Aug 4, 2025
Instrument	A1584108
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1602 W RIVER ST, MONTICELLO, MN 55362-8959

Mortgage

Document Number	00A1584109
Date	Aug 26, 2025
Instrument	A1584109

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 17, 2020
Property Address	1602 W RIVER ST, MONTICELLO, MN 55362-8959
Document Number	0001440489
Instrument Date	Aug 31, 2020
Instrument	1440489
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$983.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1602 W RIVER ST, MONTICELLO, MN 55362-8959

Mortgage

Document Number	0001440490
Date	Sep 17, 2020
Instrument	1440490

Lender

Name	FIRST CLASS MORTGAGE V INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1602 W River St was $3,826, up 5.2% from the year before.

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
Municipality	Monticello City
Unified School District	Monticello Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,826.00 (+5.17%)	$381,800 (+6.68%) Land $90,000 Building $291,800	$381,800 (+6.68%) Land $90,000 Building $291,800
2025	$3,638.00	$357,900 Land $80,000 Building $277,900	$357,900 Land $80,000 Building $277,900
2023	$3,694.00 (+24.13%)	$358,400 Land $80,000 Building $278,400	$358,400 Land $80,000 Building $278,400
2022	$2,976.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1602 W River St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · 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 Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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

Wildfire risk around 1602 W River St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Monticello serves 15,087 people · EPA ID MN1860012
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000
Fibernet Monticello Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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