3840 10th Ave SW, Rochester, MN 55902 Property Records

Olmsted County property record for 3840 10th Ave SW, Rochester, MN 55902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 983 sqft · built 1988
Lot Size	0.163 acres (7,122 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (Jul 2021)
Tax Bill	$4,174 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64.23.33.025172`

Property Details

APN / Parcel Number

Primary APN	`64.23.33.025172`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	983 sqft Living Area
1st Floor Area	983 sqft
Basement Area	960 sqft
Finished Basement	864 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,122 sqft (0.163 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3840 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-021 BLOCK-004 LOT 21 BLK 4
Legal Range	14
Legal Township	106
Legal Section	23
Legal Subdivision	WILLOW HILLS 2ND SUB
Legal Block	4
Legal Lot Number	21
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3007
Census Tract	1202

Owner

3840 10th Ave SW is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3840 10TH AVE SW, ROCHESTER, MN 55902-2818
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
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 24, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 10, 2019	Warranty Deed, Transfer · Line of Credit PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Jan 24, 2020 · Amount on File
Deed Document Number	20211540147
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Jul 7, 2021
Property Address	3840 10TH AVE SW, ROCHESTER, MN 55902-2818
Document Number	A1540147
Instrument Date	Jun 25, 2021
Instrument	A-1540147
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$956.67
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	3840 10TH AVE SW, ROCHESTER, MN 55902-2818

Mortgage

Document Number	A1540148
Date	Jul 7, 2021
Instrument	A-1540148

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Jan 24, 2020
Property Address	3840 10TH AVE SW, ROCHESTER, MN 55902-2818
Document Number	A1491576
Instrument Date	Jan 17, 2020
Instrument	A-1491576
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 10TH AVE SW, ROCHESTER, MN 55902-2818

Mortgage

Document Number	A1491577
Date	Jan 24, 2020
Instrument	A-1491577

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Oct 10, 2019
Property Address	3840 10TH AVE SW, ROCHESTER, MN 55902-2818
Document Number	00A1483407
Instrument Date	Sep 20, 2019
Instrument	A-1483407
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	EDINA REALTY TITLE ICN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$531.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2023 BAIHLY SUMMIT DR SW, ROCHESTER, MN 55902-1331
Investor	Possibly a Property Investor

Mortgage

Document Number	00A1483408
Date	Oct 10, 2019
Instrument	A-1483408

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Sep 20, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 3840 10th Ave SW was $4,174 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	$4,174.00 Homeowner's exemption
2025		$294,000 Land $56,500 Building $237,500	$312,400 Land $60,000 Building $252,400

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

Flood

FEMA maps place 3840 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 3840 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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