3820 10th Ave SW, Rochester, MN 55902 Property Records

Olmsted County property record for 3820 10th Ave SW, Rochester, MN 55902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1990
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Trust Names on File
Last Sale	$167,000 (Apr 2006)
Tax Bill	$4,014 (2026)
Deeds & Mortgages	Feb 2024 Transfer Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64.23.33.025169`

Property Details

APN / Parcel Number

Primary APN	`64.23.33.025169`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	1,078 sqft
Basement Area	960 sqft
Finished Basement	816 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1998
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	105 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3820 10TH AVE SW
City	ROCHESTER
State	MN
Zip	55902-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-23 TWP-106 RANGE-014 WILLOW HILLS 2ND SUB LOT-018 BLOCK-004 LOT 18 BLK 4
Legal Range	14
Legal Township	106
Legal Section	23
Legal Subdivision	WILLOW HILLS 2ND SUB
Legal Block	4
Legal Lot Number	18
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3007
Census Tract	1202

Owner

3820 10th Ave SW is owner-occupied and held in a trust since January 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	3920 10TH AVE SW, ROCHESTER, MN 55902
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 29, 2024	Affidavit of Death of Joint Tenant, Transfer ROCHESTER TITLE
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QRL FINANCIAL SERVICES
Sep 6, 2018	Deed of Trust, Mortgage · ARM MAYO EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2006 · Amount on File
Deed Sale	Apr 7, 2006 · Amount on File
Deed Document Number	20061096465
Last Transfer Date	Jan 14, 2025
Transfer Doc	00A1619487
Record Updated	Sep 20, 2026

February 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OLMSTED MN
Recording Date	Feb 29, 2024
Property Address	3820 10TH AVE SW, ROCHESTER, MN 55902-2818
Document Number	00A1600965
Instrument Date	Feb 26, 2024
Instrument	A-1600965
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	ROCHESTER TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3820 10TH AVE SW, ROCHESTER, MN 55902-2818

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3820 10TH AVE SW, ROCHESTER, MN 55902-2818
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1541683
Date	Jul 22, 2021
Instrument	A-1541683

Lender

Name	QRL FINANCIAL SERVICES
Type	Lending Institution
Address	MADISON, WI 53717

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3820 10TH AVE SW, ROCHESTER, MN 55902-2818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1457105
Date	Sep 6, 2018
Instrument	A-1457105

Lender

Name	MAYO EMPLOYEES CU
Type	Credit Union
Address	ROCHESTER, MN 55902

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	11.6%

Tax Assessment & Valuation

The 2026 property tax bill for 3820 10th Ave SW was $4,014 with a homeowner's exemption, up 2.7% from the year before.

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	$4,014.00 (+2.71%) Homeowner's exemption
2025	$3,908.00 Homeowner's exemption	$282,200 (-3.19%) Land $56,100 Building $226,100	$301,600 (+3.46%) Land $60,000 Building $241,600
2024		$291,500 Land $60,000 Building $231,500	$291,500 Land $60,000 Building $231,500
2023	$3,182.00
2022		$262,400 Land $60,000 Building $202,400	$262,400 Land $60,000 Building $202,400

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

Flood

FEMA maps place 3820 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 3820 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 95% of the US · lower than 84% 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 139 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
Hiawatha Broadband Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Minnesota WiFi.

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