2945 97th Ct, Plato, MN 55370 Property Records

McLeod County property record for 2945 97th Ct, Plato, MN 55370

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,594 sqft · built 2002
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$381,000 (Aug 2019)
Tax Bill	$3,652 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07.064.0050`

Property Details

APN / Parcel Number

Primary APN	`07.064.0050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,594 sqft Total Area
1st Floor Area	1,594 sqft
Basement Area	1,225 sqft
Finished Basement	1,225 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Mixed
Garage Area	857 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	2945 97TH CT
City	PLATO
State	MN
Zip	55370-5627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK RIDGE ESTATES LOT-001 BLOCK-002
Legal Subdivision	OAK RIDGE ESTATES
Legal Block	2
Legal Lot Number	1
Jurisdiction	MCLEOD MN
Township / Civil Division	HELEN
Census Block Group	4
Census Block	4041
Census Tract	950600

Owner

Source: McLeod County records, as of April 14, 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	2945 97TH CT, PLATO, MN 55370-5627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIREFLY FCU
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIREFLY FCU
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST BANK
Aug 27, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2019 · Amount on Record
Deed Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	2019441778
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	2945 97TH CT, PLATO, MN 55370-5627
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	ACCURA TITLE, ACCURATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441584
Date	Aug 16, 2019
Instrument	441584

Lender

Name	FIREFLY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2034

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	2945 97TH CT, PLATO, MN 55370-5627
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	ACCURA TITLE, ACCURATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441585
Date	Aug 16, 2019
Instrument	441585

Lender

Name	FIREFLY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2034

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	2945 97TH CT, PLATO, MN 55370-5627
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000454484
Date	Aug 20, 2021
Instrument	454484

Lender

Name	HOMESTEAD FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	2945 97TH CT, PLATO, MN 55370-5627
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000457421
Date	Feb 2, 2022
Instrument	457421

Lender

Name	NORTHEAST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Aug 27, 2019
Property Address	2945 97TH CT, PLATO, MN 55370-5627
Document Number	0000441778
Instrument Date	Aug 15, 2019
Instrument	441778
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,257.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2945 97TH CT, PLATO, MN 55370-5627

Mortgage

Document Number	0000441779
Date	Aug 27, 2019
Instrument	441779

Lender

Name	HOMESTEAD FUNDING CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: McLeod County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	McLeod County
County Subdivision	Helen Township
Unified School District	Glencoe-Silver Lake School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,652.00 (+57.82%) Homeowner's exemption
2025		$445,900 (+19.7%) Land $99,100 Building $346,800	$445,900 (+19.7%) Land $99,100 Building $346,800
2022		$372,500 Land $78,800 Building $293,700	$372,500 Land $78,800 Building $293,700
2019	$2,314.00

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 January 23, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
RS Fiber Cooperative Fixed Wireless	50 / 25
CenturyLink DSL	10 / 1

May also be available: AT&T, Broadband, Nuvera Communications, Verizon.

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