1650 Hammer Rd, Albert Lea, MN 56007 Property Records

Freeborn County property record for 1650 Hammer Rd, Albert Lea, MN 56007

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,620 sqft · built 1985
Lot Size	2.92 acres (127,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jun 2025)
Tax Bill	$5,648 (2026)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34.318.0020`

Property Details

APN / Parcel Number

Primary APN	`34.318.0020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,512 sqft
Basement Area	1,288 sqft
Finished Basement	1,288 sqft
Unfinished Basement	1,512 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	127,195 sqft (2.92 acres)
Garage Type	Attached
Garage Area	288 sqft
Deck Area	370 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1650 HAMMER RD
City	ALBERT LEA
State	MN
Zip	56007-6321
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SECT-03 TWP-102 RANGE-021 2.92 AC E 239.88 FT OF THE N 529.75 FT NW1/4 NW1/4 3-102-21 2.92 ACRES CITY OF ALBERT LEA
Legal Range	21
Legal Township	102
Legal Section	03
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	1
Census Block	1024
Census Tract	180600

Owner

Source: Freeborn County records, as of September 23, 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	1650 HAMMER RD, ALBERT LEA, MN 56007-6321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Mar 25, 2016 · Amount on Record
Deed Document Number	20251773539
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	1650 HAMMER RD, ALBERT LEA, MN 56007-6321
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A536806
Date	Mar 21, 2019
Instrument	A536806

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Freeborn County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Albert Lea City
County	Freeborn County
Unified School District	Albert Lea Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,648.00 Homeowner's exemption	$415,200 (+23.46%) Land $58,200 Building $357,000	$415,200 (+23.46%) Land $58,200 Building $357,000
2025	$5,648.00 (-16.2%)
2023	$6,740.00 (+67.25%) Homeowner's exemption	$336,300 Land $58,200 Building $278,100	$336,300 Land $58,200 Building $278,100
2020	$4,030.00

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 26, 2015 · 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	1 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · Severe Storms And Flooding

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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	Albert Lea serves 18,492 people · EPA ID MN1240001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2025) action level 15 ppb
Copper	1.81 mg/L (2021) action level 1.3 mg/L

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Metronet, T-Mobile.

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