228 Elm St, Saint Peter, MN 56082 Property Records

Nicollet County property record for 228 Elm St, Saint Peter, MN 56082

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,392 sqft · built 1880
Lot Size	0.159 acres (6,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Mar 2025)
Tax Bill	$2,836 (2026)
Deeds & Mortgages	Mar 2020 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19.412.4720`

Property Details

APN / Parcel Number

Primary APN	`19.412.4720`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	440 sqft
Basement Area	1,000 sqft
Finished Basement	312 sqft
Unfinished Basement	440 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Shingles
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,908 sqft (0.159 acres)
Lot Dimensions	132 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	720 sqft
Driveway	Driveway
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	96 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	228 ELM ST
City	SAINT PETER
State	MN
Zip	56082-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 184 LOT W 2 3 LOT 10 ALL LOT 11 SUBDIVISIONCD 19412 SUBDIVISIONNAME AMENDED PLAT
Legal Range	00
Legal Township	00
Legal Section	00
Legal Subdivision	AMENDED PLAT
Legal Block	184
Legal Lot Number	W-11
Jurisdiction	NICOLLET MN
Township / Civil Division	ST. PETER
Census Block Group	1
Census Block	1087
Census Tract	480400

Owner

Source: Nicollet County records, as of September 23, 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	228 ELM ST, SAINT PETER, MN 56082-1456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MINNESOTA
May 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MINNESOTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Sep 18, 2009 · Amount on Record
Deed Document Number	2025353348
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NICOLLET MN
Property Address	228 ELM ST, SAINT PETER, MN 56082-1456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	331080
Date	Mar 2, 2020
Instrument	331080

Lender

Name	FIRST NATIONAL BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 25, 2025

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NICOLLET MN
Property Address	228 ELM ST, SAINT PETER, MN 56082-1456
Transaction Type	Mortgage
Record Updated	Jun 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	327557
Date	May 15, 2019
Instrument	327557

Lender

Name	FIRST NATIONAL BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 13, 2019

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Nicollet County assessment roll, as of July 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Nicollet County
Municipality	St. Peter City
Unified School District	St. Peter Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,836.00 Homeowner's exemption	$205,500 (+6.48%) Land $26,200 Building $179,300	$205,500 (+6.48%) Land $26,200 Building $179,300
2025	$2,836.00 (+34.79%)
2023	$2,104.00 Homeowner's exemption	$193,000 Land $26,200 Building $166,800	$193,000 Land $26,200 Building $166,800

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 January 23, 2023 · 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
Nearby Flood Claims	5 (1983–1997)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 1997 · Severe Flooding, High Winds,severe Storms
Claims by Event	Severe Flooding, High Winds,severe Storms, May 1997 · 2 claims

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

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	None beyond 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	Saint Peter serves 12,198 people · EPA ID MN1520006
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	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. 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
Netwave Broadband Fixed Wireless · Fiber in parts of the area · not low latency	125 / 40
Midco Fixed Wireless	100 / 20

May also be available: GigFire.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures