242 E River St, Monticello, MN 55362 Property Records

Wright County property record for 242 E River St, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	6 bd · 1 ba · 1,931 sqft · built 1951
Lot Size	0.356 acres (15,507 sqft)
Owner	2 Individual Names on Record
Last Sale	$476,000 (Jul 2023)
Tax Bill	$5,120 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`155-040-002050`

Property Details

APN / Parcel Number

Primary APN	`155-040-002050`

Interior

Bedrooms	6 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,931 sqft Living Area
1st Floor Area	1,931 sqft
Basement Area	507 sqft
Finished Basement	507 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	15,507 sqft (0.356 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	280 sqft
Patio Area	420 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	242 E RIVER ST
City	MONTICELLO
State	MN
Zip	55362-9392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-121 RANGE-025 LOWER MONTI BLOCKS A,B,C & D LT5 & LT 4 EX NWLY 38.50FT OF SD LT4 AS MSD AT R AGL TO NWLY LN OF SD
Legal Range	025
Legal Township	121
Legal Section	11
Legal Subdivision	LOWER MONTI
Legal Block	A
Legal Lot Number	5,4
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	1
Census Block	1005
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	242 E RIVER ST, MONTICELLO, MN 55362-9392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK MINNESOTA
Jan 18, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 21, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK MINNESOTA
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK MINNESOTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Feb 28, 2013 · Amount on Record
Deed Document Number	20231567346
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	242 E RIVER ST, MONTICELLO, MN 55362-9392
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1520224
Date	Nov 1, 2022
Instrument	A1520224

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	MONTICELLO, MN 55362

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	242 E RIVER ST, MONTICELLO, MN 55362-9392
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 E RIVER ST, MONTICELLO, MN 55362-9392

Mortgage

Document Number	00A1546139
Date	Jan 18, 2024
Instrument	A1546139

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 21, 2023
Property Address	242 E RIVER ST, MONTICELLO, MN 55362-9392
Document Number	00A1536660
Instrument Date	Jul 28, 2023
Instrument	A1536660
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,570.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	242 E RIVER ST, MONTICELLO, MN 55362-9392

Mortgage

Document Number	00A1536661
Date	Aug 21, 2023
Instrument	A1536661

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	242 E RIVER ST, MONTICELLO, MN 55362-9392
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001377579
Date	Aug 17, 2018
Instrument	1377579

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	MONTICELLO, MN 55362

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jul 15, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	242 E RIVER ST, MONTICELLO, MN 55362-9392
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREFERRED TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001446414
Date	Nov 3, 2020
Instrument	1446414

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$5,120.00 (+58.51%)	$454,800 (-2.67%) Land $92,800 Building $362,000	$454,800 (-2.67%) Land $92,800 Building $362,000
2025		$467,300 (+38.34%) Land $95,000 Building $372,300	$467,300 (+38.34%) Land $95,000 Building $372,300
2023		$337,800 Land $90,000 Building $247,800	$337,800 Land $90,000 Building $247,800
2022	$3,230.00

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

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

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 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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