3745 10th Ave SW, Rochester, MN 55902 Property Records

Olmsted County property record for 3745 10th Ave SW, Rochester, MN 55902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 872 sqft · built 1988
Lot Size	0.2 acres (8,853 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Aug 2018)
Tax Bill	$3,690 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`64.23.32.025146`

Property Details

APN / Parcel Number

Primary APN	`64.23.32.025146`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	872 sqft Living Area
1st Floor Area	872 sqft
Basement Area	816 sqft
Finished Basement	734 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,853 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3745 10TH AVE SW
City	ROCHESTER
State	MN
Zip	55902-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-23 TWP-106 RANGE-014 WILLOW HILLS 2ND SUB LOT-010 BLOCK-002 LOT 10 BLK 2
Legal Range	14
Legal Township	106
Legal Section	23
Legal Subdivision	WILLOW HILLS 2ND SUB
Legal Block	2
Legal Lot Number	10
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3006
Census Tract	1202

Owner

3745 10th Ave SW is owned and occupied by an individual who bought it in August 2018.

Source: Olmsted County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816
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 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME FEDERAL SAVINGS BANK
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit HOME FEDERAL SAVINGS BANK
Jun 4, 2019	Deed of Trust, Mortgage ELIJAH M OGAO
Aug 17, 2018	Assignment of Deed, Transfer
Aug 17, 2018	Warranty Deed, Transfer · Conventional Mortgage HOME FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Deed Document Number	20181455859
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1545533
Date	Sep 3, 2021
Instrument	A-1545533

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1455861
Date	Aug 17, 2018
Instrument	A-1455861

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1473181
Date	Jun 4, 2019
Instrument	A-1473181

Lender

Name	ELIJAH M OGAO
Type	Private Party
Address	201 4TH ST SE, ROCHESTER, MN 55904

Agreement

Amount	Amount on Record

August 2018: Assignment of Deed, Transfer

Document Type	Assignment of Deed
Jurisdiction	OLMSTED MN
Recording Date	Aug 17, 2018
Property Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816
Document Number	A1455874
Instrument Date	Aug 1, 2018
Instrument	A-1455874
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1414 NORTHSTAR DR, 1414, ZUMBROTA, MN 55992-1091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Aug 17, 2018
Property Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816
Document Number	A1455859
Instrument Date	Jul 13, 2018
Instrument	A-1455859
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$659.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3745 10TH AVE SW, ROCHESTER, MN 55902-2816

Mortgage

Document Number	A1455860
Date	Aug 17, 2018
Instrument	A-1455860

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Mortgage

Document Number	A1455864
Date	Aug 17, 2018
Instrument	A-1455864

Lender

Name	THREE RIVERS COMMUNITY ACTION
Type	Non-Lending Institution
Address	ZUMBROTA, MN 55992

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3745 10th Ave SW was $3,690 with a homeowner's exemption.

Source: Olmsted County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Olmsted County
Municipality	Rochester City
Unified School District	Rochester Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,690.00 Homeowner's exemption
2025		$258,400 Land $55,400 Building $203,000	$279,800 Land $60,000 Building $219,800
2023	$2,920.00
2021		$206,400 Land $40,000 Building $166,400	$206,400 Land $40,000 Building $166,400

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

Flood

FEMA maps place 3745 10th Ave SW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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 3745 10th Ave SW 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	Rochester serves 123,624 people · EPA ID MN1550010
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	7 ppb (2023–2025) 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
Hiawatha Broadband Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Minnesota WiFi.

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