Fillmore County property record for 321 Prospect St SE, Chatfield, MN 55923
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,346 sqft · built 1966 |
| Lot Size | 0.273 acres (11,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,510 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 26.0387.000 |
| Primary APN | 26.0387.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,346 sqft Heated Area |
| Gross Area | 2,296 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Interior Walls | Paneling |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Flat |
| Roof Material | Asphalt |
| Lot Area | 11,900 sqft (0.273 acres) |
| Lot Dimensions | 119 ft deep x 100 ft wide |
| Garage Type | Basement |
| Garage Area | 1 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,368 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 321 PROSPECT ST SE |
|---|---|
| City | CHATFIELD |
| State | MN |
| Zip | 55923-1427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST ADDITION CHATFIELD LOT-020 BLOCK-001 LOTS 20-21-22-23 BLK 1 HILLCREST ADDITION |
| Legal Subdivision | HILLCREST ADDITION CHATFIELD |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | FILLMORE MN |
| Township / Civil Division | CHATFIELD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 960200 |
321 Prospect St SE is owned and occupied by an individual.
Source: Fillmore County records, as of August 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 PROSPECT ST SE, CHATFIELD, MN 55923-1427 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Property Address | 321 PROSPECT ST SE, CHATFIELD, MN 55923-1427 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000435957 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 435957 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2053 |
The 2026 property tax bill for 321 Prospect St SE was $3,510 with a homeowner's exemption, up 3.8% from the year before.
Source: Fillmore County assessment roll, as of August 13, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Fillmore County |
| Municipality | Chatfield City |
| Unified School District | Chatfield Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,510.00 (+3.85%) Homeowner's exemption | $283,900 (+12.21%) Land $34,400 Building $249,500 | $283,900 (+12.21%) Land $34,400 Building $249,500 |
| 2025 | $3,380.00 Homeowner's exemption | $253,000 Land $34,400 Building $218,600 | $253,000 Land $34,400 Building $218,600 |
| 2023 | $236,200 Land $34,400 Building $201,800 | $236,200 Land $34,400 Building $201,800 | |
| 2020 | $3,368.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Prospect St SE in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 3 (1978–2001) |
| Most Recent Claim | Jul 2001 · river or lake flooding |
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 321 Prospect St SE 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 93% of the US · lower than 78% 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 | Chatfield serves 3,005 people · EPA ID MN1230002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2024–2026) 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 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hiawatha Broadband Communications Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber, Fixed Wireless in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
5G (outdoors only) and 4G LTE
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