304 2nd St S, Buffalo, MN 55313 Property Records

Wright County property record for 304 2nd St S, Buffalo, MN 55313

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1954
Lot Size	0.196 acres (8,557 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Dec 2017)
Tax Bill	$2,782 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-023-000044`

Property Details

APN / Parcel Number

Primary APN	`103-023-000044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	756 sqft
Finished Basement	756 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	8,557 sqft (0.196 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	99 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant

Location & Zoning

Street Address	304 2ND ST S
City	BUFFALO
State	MN
Zip	55313-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-120 RANGE-025 CADYS 4TH ADDN LOT-004 TH PRT OF LT4 DES COM NE COR TH S86D4215W ALG N LN80FT TO POB TH CONT S86D42
Legal Range	025
Legal Township	120
Legal Section	30
Legal Subdivision	CADYS 4TH ADD
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	BUFFALO
Census Block Group	1
Census Block	1048
Census Tract	100701

Owner

304 2nd St S is owned and occupied by an individual who bought it in December 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	304 2ND ST S, BUFFALO, MN 55313-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Dec 20, 2017	Deed of Trust, Mortgage · Line of Credit PERL MTG
Dec 26, 2017	Warranty Deed, Transfer CLEAR TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2017 · Amount on File
Deed Sale	Dec 26, 2017 · Amount on File
Prior Sale	Nov 4, 2013 · Amount on File
Deed Document Number	20171360917
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	304 2ND ST S, BUFFALO, MN 55313-1418
Transaction Type	Mortgage
Record Updated	Nov 21, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 2ND ST S, BUFFALO, MN 55313-1418

Mortgage

Document Number	00A1540439
Date	Oct 13, 2023
Instrument	A1540439

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	291 Months
Due	Jan 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	304 2ND ST S, BUFFALO, MN 55313-1418
Document Number	0001360919
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 2ND ST S BUFFALO MN 553131418, BUFFALO, MN 55313-1418

Mortgage

Document Number	0001360919
Date	Dec 26, 2017
Instrument	1360919

Lender

Name	PERL MTG
Type	Mortgage Company
Address	CHICAGO, IL 60618

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2047

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 26, 2017
Property Address	304 2ND ST S, BUFFALO, MN 55313-1418
Document Number	0001360917
Instrument Date	Dec 19, 2017
Instrument	1360917
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CLEAR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$518.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 2ND ST S, BUFFALO, MN 55313-1418

Tax Assessment & Valuation

The 2026 property tax bill for 304 2nd St S was $2,782.

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

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Buffalo City
County	Wright County
Unified School District	Buffalo-Hanover-Montrose Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,782.00	$251,200 (+2.82%) Land $75,000 Building $176,200	$251,200 (+2.82%) Land $75,000 Building $176,200
2025		$244,300 Land $75,000 Building $169,300	$244,300 Land $75,000 Building $169,300
2023	$2,712.00 (+19.05%)	$251,100 Land $70,000 Building $181,100	$251,100 Land $70,000 Building $181,100
2022	$2,278.00

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

Flood

FEMA maps place 304 2nd St S 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	16 (1983–1986)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Oct 1986 · tidal / storm surge

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 304 2nd St S 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 99.1% of the US · lower than 96% 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	Buffalo serves 16,711 people · EPA ID MN1860005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Buffalo Fiber, Verizon, Xtratyme Technologies.

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