20 1st St SE, Elgin, MN 55932 Property Records

Wabasha County property record for 20 1st St SE, Elgin, MN 55932

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.75 ba · 2,028 sqft · built 1938
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Dec 2019)
Tax Bill	$4,530 (2026)
Deeds & Mortgages	May 2023 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R19.00011.00`

Property Details

APN / Parcel Number

Primary APN	`R19.00011.00`
Alternative APN	`19.00011.00`

Interior

Bedrooms	5 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,028 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	38,333 sqft (0.88 acres)
Lot Dimensions	180 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	480 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	112 sqft
Shed	1 Shed
Shed Area	1 sqft
Gazebo	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20 1ST ST SE
City	ELGIN
State	MN
Zip	55932-9688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-108 RANGE-012 .88 AC CODE # 44 PART OF OUT LOT 17 DESC IN B96 OF D, P584 (WWW)
Legal Range	12
Legal Township	108
Legal Section	27
Legal Lot Number	17
Jurisdiction	WABASHA MN
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3051
Census Tract	490500

Owner

20 1st St SE is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 1ST ST SE, ELGIN, MN 55932-9688
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
May 31, 2023	Deed of Trust, Mortgage · Closed-End Mortgage PEOPLES STATE BANK
Dec 9, 2019	Warranty Deed, Transfer · Conventional Mortgage PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on File
Deed Sale	Dec 9, 2019 · Amount on File
Deed Document Number	2019337084
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	20 1ST ST SE, ELGIN, MN 55932-9688
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201ST ST SE, ELGIN, MN 55932

Mortgage

Document Number	0000352626
Date	May 31, 2023
Instrument	352626

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2038

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WABASHA MN
Recording Date	Dec 9, 2019
Property Address	20 1ST ST SE, ELGIN, MN 55932-9688
Document Number	0000337084
Instrument Date	Oct 25, 2019
Instrument	337084
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
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	20 1ST ST SE, ELGIN, MN 55932-9688

Mortgage

Document Number	0000337085
Date	Dec 9, 2019
Instrument	337085

Lender

Name	PEOPLES STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 20 1st St SE was $4,530 with a homeowner's exemption.

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	$4,530.00 Homeowner's exemption	$338,500 Land $53,000 Building $285,500	$338,500 Land $53,000 Building $285,500
2023	$4,088.00 Homeowner's exemption	$321,100 Land $49,200 Building $271,900	$321,100 Land $49,200 Building $271,900

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

Flood

FEMA maps place 20 1st St SE 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

Wildfire risk around 20 1st St SE is low, with less than 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 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	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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber	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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