320 4th Ave NW, Elgin, MN 55932 Property Records

Wabasha County property record for 320 4th Ave NW, Elgin, MN 55932

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,564 sqft · built 1977
Lot Size	2.36 acres (102,802 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Nov 2018)
Tax Bill	$4,408 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R19.00006.18`

Property Details

APN / Parcel Number

Primary APN	`R19.00006.18`
Alternative APN	`19.00006.18`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,564 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1989
Architectural Style	Mediterranean
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	102,802 sqft
Garage Type	Detached
Garage Area	1,008 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	88 sqft
Deck Area	480 sqft
Shed	1 Shed
Shed Area	1,144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 4TH AVE NW
City	ELGIN
State	MN
Zip	55932-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-108 RANGE-012 2.36 AC SLY 250 OF NLY 1076.58 OF WLY 411 OF OUT LOT 13 AS DESC IN B141 P889 OF MTG (WWW)
Legal Range	12
Legal Township	108
Legal Section	27
Legal Subdivision	ORCHARD HILLS NORTH SUBDIVISION
Legal Lot Number	13
Jurisdiction	WABASHA MN
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3012
Census Tract	490500

Owner

320 4th Ave NW is owned and occupied by two individuals who bought it in November 2018.

Source: Wabasha County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	320 4TH AVE NW, ELGIN, MN 55932-9606
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
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 14, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Aug 21, 2018	Deed, Transfer · ARM
Aug 21, 2018	Deed, Transfer · ARM FORESIGHT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2018 · Amount on File
Deed Sale	Nov 14, 2018 · Amount on File
Prior Sale	Aug 21, 2018 · Amount on File
Deed Document Number	2018332997
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	320 4TH AVE NW, ELGIN, MN 55932-9606
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000340975
Date	Sep 29, 2020
Instrument	340975

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Sep 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	320 4TH AVE NW, ELGIN, MN 55932-9606
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000336054
Date	Sep 12, 2019
Instrument	336054

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WABASHA MN
Recording Date	Nov 14, 2018
Property Address	320 4TH AVE NW, ELGIN, MN 55932-9606
Document Number	0000332997
Instrument Date	Nov 8, 2018
Instrument	332997
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	320 4TH AVE NW, ELGIN, MN 55932-9606
Investor	Possibly a Property Investor

Mortgage

Document Number	0000332998
Date	Nov 14, 2018
Instrument	332998

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WABASHA MN
Recording Date	Aug 21, 2018
Property Address	320 4TH AVE NW, ELGIN, MN 55932-9606
Document Number	331977
Map Reference	DOC261962
Instrument Date	Jul 31, 2018
Instrument	331977
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$626.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 3RD AVE SE, PLAINVIEW, MN 55964-1615

Mortgage

Document Number	331979
Date	Aug 21, 2018
Instrument	331979

Lender

Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	8.25%
Index	5-Year CMT
Max Rate	9.25%

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WABASHA MN
Recording Date	Aug 21, 2018
Property Address	320 4TH AVE NW, ELGIN, MN 55932-9606
Document Number	0000331977
Map Reference	DOC261962
Instrument Date	Jul 31, 2018
Instrument	331977
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$626.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 3RD AVE SE, PLAINVIEW, MN 55964-1615

Mortgage

Document Number	0000331979
Date	Aug 21, 2018
Instrument	331979

Lender

Name	FORESIGHT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	8.25%
Index	5-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2026 property tax bill for 320 4th Ave NW was $4,408 with a homeowner's exemption.

Source: Wabasha County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wabasha County
Municipality	Elgin City
Unified School District	Plainview-Elgin-Millville (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,408.00 Homeowner's exemption	$337,000 Land $72,200 Building $264,800	$337,000 Land $72,200 Building $264,800
2023	$3,944.00 Homeowner's exemption	$311,000 Land $62,200 Building $248,800	$311,000 Land $62,200 Building $248,800

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

Flood

FEMA maps place 320 4th Ave NW 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 July 20, 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 Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2011 · rainfall accumulation

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 320 4th Ave NW 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	Elgin serves 1,115 people · EPA ID MN1790001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber	5,000 / 5,000
Midco Cable	1,250 / 60
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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