1904 Oak St, Buffalo, MN 55313 Property Records

Wright County property record for 1904 Oak St, Buffalo, MN 55313

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,238 sqft · built 1992
Lot Size	0.293 acres (12,796 sqft)
Owner	2 Individual Names on Record
Last Sale	$328,000 (Mar 2022)
Tax Bill	$3,672 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-107-002030`

Property Details

APN / Parcel Number

Primary APN	`103-107-002030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,238 sqft Living Area
1st Floor Area	1,046 sqft
Basement Area	612 sqft
Finished Basement	612 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,796 sqft (0.293 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1904 OAK ST
City	BUFFALO
State	MN
Zip	55313-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-21 TWP-120 RANGE-025 FOXWOOD LOT-003 BLOCK-002
Legal Range	025
Legal Township	120
Legal Section	21
Legal Subdivision	FOXWOOD
Legal Block	2
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	BUFFALO
Census Block Group	2
Census Block	2001
Census Tract	100704

Owner

Source: Wright County records, as of July 20, 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	1904 OAK ST, BUFFALO, MN 55313-2236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Deed of Trust, Mortgage OLD NATIONAL BANK
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit CORTRUST BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Deed Document Number	20221391901
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	1904 OAK ST, BUFFALO, MN 55313-2236
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 OAK ST, BUFFALO, MN 55313-2236
Investor	Possibly a Property Investor

Mortgage

Document Number	00A1538020
Date	Sep 8, 2023
Instrument	A1538020

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	BUFFALO, MN 55313

Agreement

Amount	Amount Recorded
Term	71 Months
Due	Aug 13, 2029

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Mar 29, 2022
Property Address	1904 OAK ST, BUFFALO, MN 55313-2236
Document Number	00A1502454
Instrument Date	Mar 23, 2022
Instrument	A1502454
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	CENTRAL LAND TITLE, CENTRAL LAND TTL GUARANTEE C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,082.40
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	1904 OAK ST, BUFFALO, MN 55313-2236

Mortgage

Document Number	00A1502455
Date	Mar 29, 2022
Instrument	A1502455

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	1904 OAK ST, BUFFALO, MN 55313-2236
Document Number	0001438772
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 OAK ST BUFFALO MN 553132236, BUFFALO, MN 55313-2236

Mortgage

Document Number	0001438772
Date	Sep 1, 2020
Instrument	1438772

Lender

Name	CORTRUST BK NA
Type	Bank
Address	DELANO, MN 55328

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 31, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Buffalo City
County	Wright County
Unified School District	Buffalo-Hanover-Montrose Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,672.00 (+10.4%)	$319,000 (+2.84%) Land $85,000 Building $234,000	$319,000 (+2.84%) Land $85,000 Building $234,000
2025		$310,200 (+3.61%) Land $75,000 Building $235,200	$310,200 (+3.61%) Land $75,000 Building $235,200
2023	$3,326.00 (+4.33%)	$299,400 Land $70,000 Building $229,400	$299,400 Land $70,000 Building $229,400
2022	$3,188.00

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 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 Policies	1 in force

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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	0.01% 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	Buffalo serves 16,711 people · EPA ID MN1860005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buffalo Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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