Le Sueur County property record for 20146 490th St, Waterville, MN 56096
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,228 sqft · built 1930 |
| Lot Size | 12.3 acres (537,966 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,714 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04.014.5500 |
| Primary APN | 04.014.5500 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| Gross Area | 384 sqft |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 537,966 sqft (12.3 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 36 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 20146 490TH ST |
|---|---|
| City | WATERVILLE |
| State | MN |
| Zip | 56096-4293 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-14 TWP-109 RANGE-024 12.35 AC THAT PART OF SE 1/4 OF SE 1/4 BEG 230 FT W OF SE COR, TH W 105 FT, N 640 FT, W 205 FT, N |
| Legal Range | 24 |
| Legal Township | 109 |
| Legal Section | 14 |
| Jurisdiction | LE SUEUR MN |
| Township / Civil Division | ELYSIAN |
| Census Block Group | 3 |
| Census Block | 3096 |
| Census Tract | 950500 |
Source: Le Sueur County records, as of October 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 | 20146 490TH ST, WATERVILLE, MN 56096-4293 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LE SUEUR MN |
| Recording Date | Aug 17, 2026 |
| Property Address | 20146 490TH ST, WATERVILLE, MN 56096-4293 |
| Document Number | 0000464346 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 2026464346 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 20146 490TH ST, WATERVILLE, MN 56096-4293 |
| Document Number | 0000464346, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 2026464346 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Le Sueur County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Le Sueur County |
| County Subdivision | Elysian Township |
| Unified School District | Waterville-Elysian-Morristown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,714.00 Homeowner's exemption | $319,300 (+5.03%) Land $169,900 Building $149,400 | $319,300 (+5.03%) Land $169,900 Building $149,400 |
| 2025 | $2,714.00 (+13.75%) | ||
| 2023 | $2,386.00 Homeowner's exemption | $304,000 Land $164,900 Building $139,100 | $304,000 Land $164,900 Building $139,100 |
| 2022 | $2,386.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 28, 2024 · 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 | 3 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2019 · river or lake 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Netwave Broadband Fixed Wireless · not low latency | 125 / 40 |
| Midco Fixed Wireless | 100 / 20 |
May also be available: GigFire.
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