2104 Cardinal Way, Buffalo, MN 55313 Property Records

Wright County property record for 2104 Cardinal Way, Buffalo, MN 55313

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,108 sqft · built 2000
Lot Size	0.379 acres (16,525 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Nov 2023)
Tax Bill	$4,948 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-166-003030`

Property Details

APN / Parcel Number

Primary APN	`103-166-003030`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,108 sqft Living Area
1st Floor Area	1,062 sqft
Basement Area	660 sqft
Finished Basement	660 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	16,525 sqft (0.379 acres)
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2104 CARDINAL WAY
City	BUFFALO
State	MN
Zip	55313-2284
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-16 TWP-120 RANGE-025 PRAIRIE VIEW LOT-003 BLOCK-003
Legal Range	025
Legal Township	120
Legal Section	16
Legal Subdivision	PRAIRIE VIEW
Legal Block	3
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	BUFFALO
Census Block Group	2
Census Block	2032
Census Tract	100705

Owner

2104 Cardinal Way is owned and occupied by two individuals who bought it in November 2023.

Source: Wright County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2104 CARDINAL WAY, BUFFALO, MN 55313-2284
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
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Dec 19, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Jul 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Prior Sale	Dec 20, 2000 · Amount on File
Deed Document Number	20231609538
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	2104 CARDINAL WAY, BUFFALO, MN 55313-2284
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 CARDINAL WAY, BUFFALO, MN 55313-2284

Mortgage

Document Number	00A1592998
Date	Dec 31, 2025
Instrument	A1592998

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	JAMESTOWN, ND 58401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 19, 2023
Property Address	2104 CARDINAL WAY, BUFFALO, MN 55313-2284
Document Number	00A1544559
Instrument Date	Nov 29, 2023
Instrument	A1544559
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	CENTRAL LAND TITLE, CENTRAL LAND TTL GUARANTEE C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.50
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	2104 CARDINAL WAY, BUFFALO, MN 55313-2284

Mortgage

Document Number	00A1544560
Date	Dec 19, 2023
Instrument	A1544560

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	2104 CARDINAL WAY, BUFFALO, MN 55313-2284
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1534461
Date	Jul 18, 2023
Instrument	A1534461

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 20, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 2104 Cardinal Way was $4,948.

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	$4,948.00	$419,300 (+3.56%) Land $75,000 Building $344,300	$419,300 (+3.56%) Land $75,000 Building $344,300
2025		$404,900 Land $75,000 Building $329,900	$404,900 Land $75,000 Building $329,900
2023	$4,380.00 (+2.87%)	$387,700 Land $70,000 Building $317,700	$387,700 Land $70,000 Building $317,700
2022	$4,258.00

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

Flood

FEMA maps place 2104 Cardinal Way in Zone X, an area of minimal flood risk.

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	8 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 2104 Cardinal Way 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	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 334 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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