185 1st Ave NE, Elgin, MN 55932 Property Records

Wabasha County property record for 185 1st Ave NE, Elgin, MN 55932

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,219 sqft · built 1950
Lot Size	0.262 acres (11,420 sqft)
Owner	2 Individual Names on File
Last Sale	$99,500 (Apr 2018)
Tax Bill	$2,126 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R19.00105.00`

Property Details

APN / Parcel Number

Primary APN	`R19.00105.00`
Alternative APN	`19.00105.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,219 sqft Living Area
1st Floor Area	1,219 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,420 sqft (0.262 acres)
Lot Dimensions	175 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	880 sqft
Porch	Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	185 1ST AVE NE
City	ELGIN
State	MN
Zip	55932-9687
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-108 RANGE-012 BRYANTS ADDITION LOT-004 BLOCK-005 & S 15 OF LOT 3 BLK 5 (WWW)
Legal Range	12
Legal Township	108
Legal Section	27
Legal Subdivision	BRYANTS ADDITION
Legal Block	5
Legal Lot Number	4
Jurisdiction	WABASHA MN
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3022
Census Tract	490500

Owner

185 1st Ave NE is owned and occupied by two individuals who bought it in April 2018.

Source: Wabasha County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	185 1ST AVE NE, ELGIN, MN 55932-9687
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust · Conventional Mortgage PEOPLES STATE BANK/PLAINVIEW
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES STATE BANK
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES STATE BANK
Apr 30, 2018	Warranty Deed, Transfer · Line of Credit PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2018 · Amount on File
Deed Sale	Apr 30, 2018 · Amount on File
Prior Sale	Jul 8, 2013 · Amount on File
Deed Document Number	2018330756
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Recording Date	Apr 28, 2026
Property Address	185 1ST AVE NE, ELGIN, MN 55932-9687
Document Number	0000362974
Instrument Date	Apr 6, 2026
Instrument	2026.362974
Record Updated	May 6, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 1ST AVE NE, ELGIN, MN 55932-9687

Mortgage

Document Number	0000362974,
Date	Apr 28, 2026
Instrument	2026.362974

Lender

Name	PEOPLES STATE BANK/PLAINVIEW

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Recording Date	Apr 28, 2026
Property Address	185 1ST AVE NE, ELGIN, MN 55932-9687
Document Number	000A362974
Instrument Date	Apr 6, 2026
Instrument	2026362974
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 1ST AVE NE, ELGIN, MN 55932-9687

Mortgage

Document Number	0000362974,
Date	Apr 28, 2026
Instrument	2026362974

Lender

Name	PEOPLES STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	185 1ST AVE NE, ELGIN, MN 55932-9687
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000337332
Date	Dec 30, 2019
Instrument	337332

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	ELGIN, MN 55932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WABASHA MN
Recording Date	Apr 30, 2018
Property Address	185 1ST AVE NE, ELGIN, MN 55932-9687
Document Number	0000330756
Instrument Date	Feb 26, 2014
Instrument	330756
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.35
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	185 1ST AVE NE, ELGIN, MN 55932-9687

Mortgage

Document Number	0000330757
Date	Apr 30, 2018
Instrument	330757

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	ELGIN, MN 55932

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 185 1st Ave NE was $2,126 with a homeowner's exemption, up 8.2% from the year before.

Source: Wabasha County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wabasha County
Municipality	Elgin City
Unified School District	Plainview-Elgin-Millville (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,126.00 (+8.25%) Homeowner's exemption	$181,500 (-2.05%) Land $26,000 Building $155,500	$181,500 (-2.05%) Land $26,000 Building $155,500
2025	$1,964.00 Homeowner's exemption	$185,300 Land $26,000 Building $159,300	$185,300 Land $26,000 Building $159,300
2023	$1,976.00 Homeowner's exemption	$171,300 Land $26,000 Building $145,300	$171,300 Land $26,000 Building $145,300

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

Flood

FEMA maps place 185 1st Ave NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2011 · 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

The area around 185 1st Ave NE 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.

Drinking Water

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

Water System	Elgin serves 1,115 people · EPA ID MN1790001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Midco Cable	1,250 / 60
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

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