306 E River St, Monticello, MN 55362 Property Records

Wright County property record for 306 E River St, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 879 sqft · built 1920
Lot Size	0.251 acres (10,971 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Feb 2023)
Tax Bill	$2,404 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`155-015-005120`

Property Details

APN / Parcel Number

Primary APN	`155-015-005120`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	879 sqft Living Area
1st Floor Area	753 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1979
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	10,971 sqft (0.251 acres)
Storage Building	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	306 E RIVER ST
City	MONTICELLO
State	MN
Zip	55362-9394
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-121 RANGE-025 LOWER MONTICELLO LOT-012 BLOCK-005
Legal Range	025
Legal Township	121
Legal Section	11
Legal Subdivision	LOWER MONTICELLO
Legal Block	5
Legal Lot Number	12
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	1
Census Block	1004
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	Individual Name on Record
Mailing Address	306 E RIVER ST, MONTICELLO, MN 55362-9394
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 15, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 26, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA
Dec 19, 2018	Grant Deed, Transfer PREFERRED TITLE
Jun 1, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2023 · Amount on Record
Deed Sale	Feb 1, 2023 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	20231509656
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	306 E RIVER ST, MONTICELLO, MN 55362-9394
Transaction Type	Mortgage
Record Updated	Sep 18, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E RIVER ST, MONTICELLO, MN 55362-9394

Mortgage

Document Number	00A1536182
Date	Aug 14, 2023
Instrument	A1536182

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Feb 15, 2023
Property Address	306 E RIVER ST, MONTICELLO, MN 55362-9394
Document Number	00A1525914
Instrument Date	Feb 1, 2023
Instrument	A1525914
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Tax	$659.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E RIVER ST, MONTICELLO, MN 55362-9394

Mortgage

Document Number	00A1525915
Date	Feb 15, 2023
Instrument	A1525915

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Mortgage

Document Number	00A1525916
Date	Feb 15, 2023
Instrument	A1525916

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 26, 2019
Property Address	306 E RIVER ST, MONTICELLO, MN 55362-9394
Document Number	0001401278
Instrument Date	Jul 18, 2019
Instrument	1401278
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022
Title Company	PREFERRED TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E RIVER ST, MONTICELLO, MN 55362-9394

Mortgage

Document Number	0001401279
Date	Jul 26, 2019
Instrument	1401279

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 19, 2018
Property Address	306 E RIVER ST, MONTICELLO, MN 55362-9394
Document Number	0001386671
Instrument Date	Dec 11, 2018
Instrument	1386671
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	PREFERRED TITLE

Transaction

Amount	Amount Recorded
Tax	$244.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2219 116TH ST NE MONTICELLO MN 553623209, MONTICELLO, MN 55362-3209

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 1, 2018
Property Address	306 E RIVER ST, MONTICELLO, MN 55362-9394
Document Number	0001371310
Instrument Date	May 29, 2018
Instrument	1371310
Transaction Type	Foreclosure
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$290.40
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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	$2,404.00 (+33.41%)	$226,300 (+3.9%) Land $90,500 Building $135,800	$226,300 (+3.9%) Land $90,500 Building $135,800
2025		$217,800 (+7.45%) Land $90,000 Building $127,800	$217,800 (+7.45%) Land $90,000 Building $127,800
2023	$1,802.00 (+31.92%)	$202,700 Land $85,000 Building $117,700	$202,700 Land $85,000 Building $117,700
2022	$1,366.00

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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