228 3rd St S, Virginia, MN 55792 Property Records

St. Louis County property record for 228 3rd St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,310 sqft · built 1898
Lot Size	0.103 acres (4,518 sqft)
Owner	Individual Name on Record
Last Sale	$49,500 (Sep 2020)
Tax Bill	$1,524 (2026)
Deeds & Mortgages	Sep 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`090-0010-12690`

Property Details

APN / Parcel Number

Primary APN	`090-0010-12690`
Alternative APN	`1096533`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,310 sqft Gross Area
1st Floor Area	815 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Metal
Construction Type	Frame
Lot Area	4,518 sqft (0.103 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	110 sqft
Deck Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1096533
Street Address	228 3RD ST S
City	VIRGINIA
State	MN
Zip	55792-2620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 13 AND ALL OF LOT 14 SERIAL #
Legal Subdivision	VIRGINIA
Legal Block	48
Legal Lot Number	13-14
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	3
Census Block	3000
Census Tract	13100

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	228 3RD ST S, VIRGINIA, MN 55792-2620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Deed Document Number	20201391109
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 22, 2020
Property Address	228 3RD ST S, VIRGINIA, MN 55792-2620
Document Number	00A1391109
Instrument Date	Aug 31, 2020
Instrument	A1391109
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	UP N TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	228 3RD ST S VIRGINIA MN 557922620, VIRGINIA, MN 55792-2620

Mortgage

Document Number	A1391110
Date	Sep 22, 2020
Instrument	A1391110

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	GILBERT, MN 55741

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,524.00 (-7.86%) Homeowner's exemption
2025	$1,654.00 (-15.01%) Homeowner's exemption	$79,500 (-10.07%) Land $4,000 Building $75,500	$79,500 (-10.07%) Land $4,000 Building $75,500
2024	$1,946.00	$88,400 (+62.2%) Land $3,800 Building $84,600	$88,400 (+62.2%) Land $3,800 Building $84,600
2022		$54,500 Land $3,300 Building $51,200	$54,500 Land $3,300 Building $51,200

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 March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 710 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC, Verizon.

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