Fillmore County property record for 320 W Melby, Mabel, MN 55954
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,620 sqft · built 1954 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,000 (Mar 2018) |
| Tax Bill | $2,106 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02.0304.000 |
| Primary APN | 02.0304.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Heated Area |
| Gross Area | 2,205 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 120 ft deep x 105 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 W MELBY |
|---|---|
| City | MABEL |
| State | MN |
| Zip | 55954-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MELBY ADDITION LOT-018 BLOCK-001 W1/2 LOT 18 & ALL LOT 19 MELBY ADD |
| Legal Subdivision | MELBY ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | FILLMORE MN |
| Township / Civil Division | MABEL |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 960600 |
320 W Melby is owned and occupied by two individuals who acquired it in June 2020.
Source: Fillmore County records, as of August 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 W MELBY, MABEL, MN 55954-1520 |
| 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.
| Date | Document |
|---|---|
| Oct 5, 2023 | Deed of Trust, Mortgage · Line of Credit ALTRA FEDERAL CREDIT UNION |
| Jun 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ALTRA FEDERAL CREDIT UNION |
| Jun 9, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance ALTRA FEDERAL CREDIT UNION |
| Mar 30, 2018 | Warranty Deed, Transfer DECORAH BANK & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on File |
| Deed Sale | Mar 30, 2018 · Amount on File |
| Deed Document Number | 2018416788 |
| Last Transfer Date | Jun 9, 2020 |
| Transfer Doc | 427065 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Property Address | 320 W MELBY, MABEL, MN 55954-1520 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000444063 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 444063 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Property Address | 320 W MELBY, MABEL, MN 55954-1520 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 433190 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 433190 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FILLMORE MN |
| Recording Date | Jun 9, 2020 |
| Property Address | 320 W MELBY, MABEL, MN 55954-1520 |
| Document Number | 427065 |
| Instrument Date | Jun 9, 2020 |
| Instrument | 427065 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 W MELBY, MABEL, MN 55954-1520 |
| Document Number | 427080 |
|---|---|
| Date | Jun 9, 2020 |
| Instrument | 427080 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FILLMORE MN |
| Recording Date | Mar 30, 2018 |
| Property Address | 320 W MELBY, MABEL, MN 55954-1520 |
| Document Number | 000000416788 |
| Instrument Date | Mar 14, 2018 |
| Instrument | 000000416788 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 W MELBY, MABEL, MN 55954-1520 |
| Document Number | 000000416789 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 000000416789 |
| Name | DECORAH BANK & TRUST COMPANY |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 358 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 320 W Melby was $2,106 with a homeowner's exemption, up 41% from the year before.
Source: Fillmore County assessment roll, as of August 13, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Fillmore County |
| Municipality | Mabel City |
| Unified School District | Mabel-Canton Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,106.00 (+40.96%) Homeowner's exemption | $192,400 (+30.88%) Land $20,000 Building $172,400 | $192,400 (+30.88%) Land $20,000 Building $172,400 |
| 2025 | $1,494.00 Homeowner's exemption | $147,000 Land $15,000 Building $132,000 | $147,000 Land $15,000 Building $132,000 |
| 2023 | $108,300 Land $15,000 Building $93,300 | $108,300 Land $15,000 Building $93,300 | |
| 2020 | $1,254.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 W Melby in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1998–2017) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Oct 2017 · other causes |
| Claims by Event |
|
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 risk around 320 W Melby 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 96% of the US · lower than 86% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Mabel serves 715 people · EPA ID MN1230007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Mabel Cooperative Telephone Company Fiber | 200 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
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