2408 Harbor Dr, Northfield, MN 55057 Property Records

Rice County property record for 2408 Harbor Dr, Northfield, MN 55057

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 1,473 sqft · built 2004
Lot Size	0.19 acres (8,261 sqft)
Owner	2 Individual Names on File
Last Sale	$476,500 (May 2026)
Tax Bill	$6,658 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22.07.4.26.044`

Property Details

APN / Parcel Number

Primary APN	`22.07.4.26.044`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	1,473 sqft Living Area
1st Floor Area	1,450 sqft
Basement Area	1,450 sqft
Finished Basement	720 sqft
Unfinished Basement	730 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,261 sqft (0.19 acres)
Lot Dimensions	118 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	520 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	305 sqft
Patio Area	305 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2408 HARBOR DR
City	NORTHFIELD
State	MN
Zip	55057-3282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLOCK 1 OF FARGAZE MEADOWS
Legal Subdivision	FARGAZE MEADOWS
Legal Block	1
Legal Lot Number	15
Jurisdiction	RICE MN
Township / Civil Division	NORTHFIELD
Census Block Group	2
Census Block	2012
Census Tract	70503

Owner

2408 Harbor Dr is owned and occupied by two individuals who bought it in May 2026.

Source: Rice County records, as of June 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2408 HARBOR DR, NORTHFIELD, MN 55057-3282
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	2 Names on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Prior Sale	Oct 19, 2016 · Amount on File
Deed Document Number	2026784235
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICE MN
Recording Date	May 29, 2026
Property Address	2408 HARBOR DR, NORTHFIELD, MN 55057-3282
Document Number	0000784235
Instrument Date	May 27, 2026
Instrument	2026784235
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158,817.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2408 HARBOR DR, NORTHFIELD, MN 55057-3282

Mortgage

Document Number	0000784236,
Date	May 29, 2026
Instrument	2026784236

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 2408 Harbor Dr was $6,658.

Source: Rice County assessment roll, as of June 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,658.00	$386,600 (+0.86%) Land $70,800 Building $315,800	$386,600 (+0.86%) Land $70,800 Building $315,800
2025		$383,300 (+5.83%) Land $69,200 Building $314,100	$383,300 (+5.83%) Land $69,200 Building $314,100
2024	$5,624.00 (+20.33%)	$362,200 (-) Land $64,400 Building $297,800	$362,200 (-) Land $64,400 Building $297,800
2023	$4,674.00	$362,200 Land $64,400 Building $297,800	$362,200 Land $64,400 Building $297,800

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

Flood

FEMA maps place 2408 Harbor Dr 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 14, 2022 · 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	4 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 2408 Harbor Dr 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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 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	Northfield serves 20,790 people · EPA ID MN1660010
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	3 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. 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20