3951 Willow Ct SW, Rochester, MN 55902 Property Records

Olmsted County property record for 3951 Willow Ct SW, Rochester, MN 55902

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,684 sqft · built 1978
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (May 2023)
Tax Bill	$5,290 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`64.23.34.024892`

Property Details

APN / Parcel Number

Primary APN	`64.23.34.024892`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	1,684 sqft
Basement Area	1,636 sqft
Finished Basement	818 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	130 ft deep x 109 ft wide
Deck Area	264 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	3951 WILLOW CT SW
City	ROCHESTER
State	MN
Zip	55902-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-23 TWP-106 RANGE-014 WILLOW HEIGHTS 1ST SUB LOT-003 BLOCK-001 LOT 3 BLK 1
Legal Range	14
Legal Township	106
Legal Section	23
Legal Subdivision	WILLOW HEIGHTS 1ST SUB
Legal Block	1
Legal Lot Number	3
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3002
Census Tract	1202

Owner

3951 Willow Ct SW is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3951 WILLOW CT SW, ROCHESTER, MN 55902-2839
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
May 11, 2023	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 14, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN MORTGAGE & INSURANCE INC
Mar 4, 2019	Deed of Trust, Mortgage · Line of Credit FIRST ALLIANCE CU
Oct 3, 2017	Deed of Trust, Mortgage · VA Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2023 · Amount on File
Deed Sale	May 8, 2023 · Amount on File
Deed Document Number	20231534070
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	May 11, 2023
Property Address	3951 WILLOW CT SW, ROCHESTER, MN 55902-2839
Document Number	00A1585812
Instrument Date	May 8, 2023
Instrument	A-1585812
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 WILLOW CT SW, ROCHESTER, MN 55902-2839

Mortgage

Document Number	00A1585813
Date	May 11, 2023
Instrument	A-1585813

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3951 WILLOW CT SW, ROCHESTER, MN 55902-2839
Transaction Type	Mortgage
Record Updated	Oct 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1478850
Date	Aug 14, 2019
Instrument	A-1478850

Lender

Name	AMERICAN MORTGAGE & INSURANCE INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3951 WILLOW CT SW, ROCHESTER, MN 55902-2839
Transaction Type	Mortgage
Record Updated	Apr 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1467846
Date	Mar 4, 2019
Instrument	A-1467846

Lender

Name	FIRST ALLIANCE CU
Type	Credit Union
Address	ROCHESTER, MN 55903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 3, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3951 WILLOW CT SW, ROCHESTER, MN 55902-2839
Transaction Type	Mortgage
Record Updated	Dec 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A-1434625
Date	Oct 3, 2017
Instrument	A-1434625

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3951 Willow Ct SW was $5,290 with a homeowner's exemption, up 22.7% 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	$5,290.00 (+22.68%) Homeowner's exemption
2025	$4,312.00 Homeowner's exemption	$313,800 (+2.52%) Land $50,000 Building $263,800	$313,800 (+2.52%) Land $50,000 Building $263,800
2024		$306,100 Land $50,000 Building $256,100	$306,100 Land $50,000 Building $256,100
2023	$3,372.00
2021		$241,500 Land $35,000 Building $206,500	$241,500 Land $35,000 Building $206,500

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

Flood

FEMA maps place 3951 Willow Ct SW in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 3951 Willow Ct 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.

Nearby Properties on Willow Ct SW

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures