231 E River St, Monticello, MN 55362 Property Records

Wright County property record for 231 E River St, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,730 sqft · built 1910
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,116 (2026)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`155-040-001010`

Property Details

APN / Parcel Number

Primary APN	`155-040-001010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,730 sqft Living Area
1st Floor Area	1,023 sqft
Basement Area	255 sqft
Finished Basement	255 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	306 ft deep x 58 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	268 sqft
Deck Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	231 E RIVER ST
City	MONTICELLO
State	MN
Zip	55362-9393
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-121 RANGE-025 LOWER MONTI BLOCKS A,B,C & D BLOCK-00A LOT 1 EX E33FT BLK A -00A LOT 1 EX E33FT BLK A
Legal Range	025
Legal Township	121
Legal Section	11
Legal Subdivision	LOWER MONTI
Legal Block	A,A,A
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	2
Census Block	2020
Census Tract	100205

Owner

Source: Wright County records, as of July 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	231 E RIVER ST, MONTICELLO, MN 55362-9393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	231 E RIVER ST, MONTICELLO, MN 55362-9393
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 E RIVER ST, MONTICELLO, MN 55362-9393

Mortgage

Document Number	0001460416
Date	Mar 1, 2021
Instrument	1460416

Lender

Name	TRUSTONE FINANCIAL CREDIT UNION
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 9, 2031

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
Municipality	Monticello City
Unified School District	Monticello Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,116.00 (-5.52%)	$263,900 (-9.09%) Land $93,100 Building $170,800	$263,900 (-9.09%) Land $93,100 Building $170,800
2025		$290,300 (-9.34%) Land $70,800 Building $219,500	$290,300 (-9.34%) Land $70,800 Building $219,500
2023	$3,298.00 (+13.96%)	$320,200 Land $98,600 Building $221,600	$320,200 Land $98,600 Building $221,600
2022	$2,894.00

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 April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% 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	Monticello serves 15,087 people · EPA ID MN1860012
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000
Fibernet Monticello Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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