20686 707th Ave, Albert Lea, MN 56007 Property Records

Freeborn County property record for 20686 707th Ave, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,066 sqft · built 1976
Lot Size	0.86 acres (37,462 sqft)
Owner	Trust Name on File
Last Sale	$285,000 (Jun 2018)
Tax Bill	$4,758 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09.080.0030`

Property Details

APN / Parcel Number

Primary APN	`09.080.0030`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Building Area	2,066 sqft Living Area
1st Floor Area	2,066 sqft
Basement Area	1,455 sqft
Finished Basement	1,455 sqft
Unfinished Basement	2,066 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Attached
Garage Area	720 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20686 707TH AVE
City	ALBERT LEA
State	MN
Zip	56007-5496
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWP-102 RANGE-022 WESTCREST ADDITION LOT 3 BLK 1 WESTCREST ADDITION
Legal Subdivision	WESTCREST ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	FREEBORN MN
Township / Civil Division	PICKEREL LAKE
Census Block Group	3
Census Block	3062
Census Tract	180300

Owner

20686 707th Ave is owner-occupied and held in a trust since June 2018.

Source: Freeborn County records, as of September 23, 2026

Owner of Record	Trust Name on File
Mailing Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME FSB
Dec 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOME FSB
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROFINIUM INC
Jun 15, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2018 · Amount on File
Deed Sale	Jun 15, 2018 · Amount on File
Prior Sale	Jun 15, 2018 · Amount on File
Deed Document Number	2018V826736
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A543879
Date	Aug 13, 2020
Instrument	A543879

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A544679
Date	Oct 1, 2020
Instrument	A544679

Lender

Name	HOME FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 20, 2040

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A535507
Date	Dec 10, 2018
Instrument	A535507

Lender

Name	HOME FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 20, 2038

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A532938
Date	Jun 22, 2018
Instrument	A532938

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A528378
Date	Aug 2, 2017
Instrument	A528378

Lender

Name	PROFINIUM INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 25, 2022

Interest

Rate Type	Fixed Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREEBORN MN
Recording Date	Jun 15, 2018
Property Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496
Document Number	CRV826736
Instrument Date	Jun 15, 2018
Instrument	CRV826736
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1011 MARTIN RD, 1011, ALBERT LEA, MN 56007-1464

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20686 707TH AVE, ALBERT LEA, MN 56007-5496

Tax Assessment & Valuation

The 2026 property tax bill for 20686 707th Ave was $4,758 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Freeborn County
County Subdivision	Pickerel Lake Township
Unified School District	Albert Lea Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,758.00 Homeowner's exemption	$454,900 Land $68,700 Building $386,200	$454,900 Land $68,700 Building $386,200
2025	$4,758.00
2023	$3,976.00 Homeowner's exemption	$431,200 Land $68,700 Building $362,500	$431,200 Land $68,700 Building $362,500
2020	$4,054.00

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

Flood

FEMA maps place 20686 707th Ave in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 20686 707th Ave 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless · Fiber in parts of the area	150 / 130
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

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