31987 Harrow Rd, Chatfield, MN 55923 Property Records

Fillmore County property record for 31987 Harrow Rd, Chatfield, MN 55923

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,706 sqft · built 2017
Lot Size	12.4 acres (542,322 sqft)
Owner	Individual Name on File
Last Sale	$33,000 (Sep 2009)
Tax Bill	$4,048 (2026)
Deeds & Mortgages	Jul 2017 Construction Loan Apr 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`20.0118.010`

Property Details

APN / Parcel Number

Primary APN	`20.0118.010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,706 sqft Heated Area
Gross Area	2,104 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	542,322 sqft (12.4 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	31987 HARROW RD
City	CHATFIELD
State	MN
Zip	55923-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-15 TWP-104 RANGE-010 12.45 AC PT NE1/4 NW1/4 NW1/4 & PT NW1/4 NE1/4 NW1/4
Legal Range	10
Legal Township	104
Legal Section	15
Jurisdiction	FILLMORE MN
Township / Civil Division	PILOT MOUND
Census Block Group	1
Census Block	1080
Census Tract	960100

Owner

31987 Harrow Rd is owned and occupied by an individual who bought it in September 2009.

Source: Fillmore County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	31987 HARROW RD, CHATFIELD, MN 55923-2821
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 11, 2017	Deed of Trust, Mortgage · Construction Mortgage F & M COMMUNITY BANK NA
Apr 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance F&M COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2009 · Amount on File
Deed Sale	Sep 17, 2009 · Amount on File
Deed Document Number	2009374999
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	31987 HARROW RD, CHATFIELD, MN 55923-2821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	413426
Date	Jul 11, 2017
Instrument	413426

Lender

Name	F & M COMMUNITY BANK NA
Type	Bank
Address	PRESTON, MN 55965

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	May 1, 2018

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	31987 HARROW RD, CHATFIELD, MN 55923-2821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	426198
Date	Apr 8, 2020
Instrument	426198

Lender

Name	F&M COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 31987 Harrow Rd was $4,048 with a homeowner's exemption.

Source: Fillmore County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Fillmore County
County Subdivision	Pilot Mound Township
Unified School District	Chatfield Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,048.00 Homeowner's exemption	$554,800 (-0.09%) Land $108,400 Building $446,400	$554,800 (-0.09%) Land $108,400 Building $446,400
2025		$555,300 Land $108,400 Building $446,900	$555,300 Land $108,400 Building $446,900
2023		$423,500 Land $89,000 Building $334,500	$423,500 Land $89,000 Building $334,500
2020	$2,824.00

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

Flood

FEMA maps place 31987 Harrow Rd 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 October 15, 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
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (2004–2024)
Most Recent Claim	Jun 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2024 · 3 claims

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 31987 Harrow Rd is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

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