232 Front St, Monticello, MN 55362 Property Records

Wright County property record for 232 Front St, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,683 sqft · built 2002
Lot Size	0.121 acres (5,281 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Aug 2023)
Tax Bill	$4,502 (2026)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`155-144-001020`

Property Details

APN / Parcel Number

Primary APN	`155-144-001020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,683 sqft Living Area
1st Floor Area	1,683 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2008
Architectural Style	Townhouse
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	5,281 sqft (0.121 acres)
Garage Type	Attached
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	211 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	232 FRONT ST
City	MONTICELLO
State	MN
Zip	55362-8787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-121 RANGE-025 RIVERWALK LOT-002 BLOCK-001
Legal Range	025
Legal Township	121
Legal Section	11
Legal Subdivision	RIVERWALK
Legal Block	1
Legal Lot Number	2
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	3
Census Block	3004
Census Tract	100203

Owner

232 Front St is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	232 FRONT ST, MONTICELLO, MN 55362-8787
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Aug 2, 2006 · Amount on File
Deed Document Number	20231572868
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 8, 2023
Property Address	232 FRONT ST, MONTICELLO, MN 55362-8787
Document Number	00A1538047
Instrument Date	Aug 25, 2023
Instrument	A1538047
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

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
Address	232 FRONT ST, MONTICELLO, MN 55362-8787

Mortgage

Document Number	00A1538048
Date	Sep 8, 2023
Instrument	A1538048

Lender

Name	CORTRUST BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Aug 24, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 232 Front St was $4,502.

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	$4,502.00	$410,700 (-1.06%) Land $130,000 Building $280,700	$410,700 (-1.06%) Land $130,000 Building $280,700
2025		$415,100 Land $100,000 Building $315,100	$415,100 Land $100,000 Building $315,100
2023		$454,500 Land $85,000 Building $369,500	$454,500 Land $85,000 Building $369,500
2022	$3,936.00

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

Flood

FEMA maps place 232 Front St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	1 in force
Nearby Flood Claims	3 (1997–2001)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 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

Wildfire risk around 232 Front St 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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Fibernet Monticello, T-Mobile, TDS Telecom.

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