320 4th St S, Virginia, MN 55792 Property Records

St. Louis County property record for 320 4th St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,762 sqft · built 1907
Lot Size	0.102 acres (4,482 sqft)
Owner	Individual Name on File
Last Sale	$156,500 (Nov 2021)
Tax Bill	$4,900 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-0030-00760`

Property Details

APN / Parcel Number

Primary APN	`090-0030-00760`
Alternative APN	`1121267`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,762 sqft Gross Area
1st Floor Area	1,066 sqft
Basement Area	444 sqft
Finished Basement	444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,482 sqft (0.102 acres)
Garage Area	480 sqft
Deck Area	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1121267
Street Address	320 4TH ST S
City	VIRGINIA
State	MN
Zip	55792-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 9 AND ALL LOT 10 SERIAL #
Legal Subdivision	VIRGINIA 2ND ADD
Legal Block	79
Legal Lot Number	9-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	3
Census Block	3002
Census Tract	13100

Owner

320 4th St S is owned and occupied by an individual who bought it in November 2021.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	320 4TH ST S, VIRGINIA, MN 55792-2722
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
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EXPRESS
Nov 22, 2021	Warranty Deed, Transfer · VA Mortgage SERVION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on File
Deed Sale	Nov 22, 2021 · Amount on File
Prior Sale	Nov 3, 2016 · Amount on File
Deed Document Number	20211430541
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	320 4TH ST S, VIRGINIA, MN 55792-2722
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 4TH ST S, VIRGINIA, MN 55792-2722

Mortgage

Document Number	0001526546
Date	Jan 22, 2026
Instrument	1526546

Lender

Name	MORTGAGE EXPRESS
Type	Mortgage Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 22, 2021
Property Address	320 4TH ST S, VIRGINIA, MN 55792-2722
Document Number	0001430541
Map Reference	DOC 570716
Instrument Date	Sep 15, 2021
Instrument	1430541
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$516.45
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 ST S, VIRGINIA, MN 55792-2722

Mortgage

Document Number	0001430542
Date	Nov 22, 2021
Instrument	1430542

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 320 4th St S was $4,900 with a homeowner's exemption, up 8.6% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,900.00 (+8.6%) Homeowner's exemption
2025	$4,512.00 (+1.67%) Homeowner's exemption	$188,000 (+10.85%) Land $5,000 Building $183,000	$188,000 (+10.85%) Land $5,000 Building $183,000
2024	$4,438.00	$169,600 Land $4,300 Building $165,300	$169,600 Land $4,300 Building $165,300
2022		$118,800 Land $3,800 Building $115,000	$118,800 Land $3,800 Building $115,000

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

Flood

FEMA maps place 320 4th St S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 320 4th St S 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	Indirect within 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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 710 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC, Verizon.

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