3960 Willow Ct SW, Rochester, MN 55902 Property Records

Olmsted County property record for 3960 Willow Ct SW, Rochester, MN 55902

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,122 sqft · built 1978
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on File
Last Sale	$223,921 (Feb 2020)
Tax Bill	$4,690 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`64.23.34.024896`

Property Details

APN / Parcel Number

Primary APN	`64.23.34.024896`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft
Basement Area	995 sqft
Finished Basement	697 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,496 sqft (0.218 acres)
Lot Dimensions	98 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	553 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3960 WILLOW CT SW
City	ROCHESTER
State	MN
Zip	55902-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-23 TWP-106 RANGE-014 WILLOW HEIGHTS 1ST SUB LOT-002 BLOCK-002 LOT 2 BLK 2
Legal Range	14
Legal Township	106
Legal Section	23
Legal Subdivision	WILLOW HEIGHTS 1ST SUB
Legal Block	2
Legal Lot Number	2
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3002
Census Tract	1202

Owner

3960 Willow Ct SW is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3960 WILLOW CT SW, ROCHESTER, MN 55902-1226
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
Mar 2, 2023	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 8, 2019	Deed of Trust, Mortgage THINK MUTUAL BANK
Feb 26, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2020 · Amount on File
Deed Sale	Feb 26, 2020 · Amount on File
Prior Sale	Sep 24, 2013 · Amount on File
Deed Document Number	20201493485
Prior Transfer Date	Aug 6, 2013
Prior Transfer Doc	A1332102
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3960 WILLOW CT SW, ROCHESTER, MN 55902-1226
Transaction Type	Mortgage
Record Updated	Jun 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1582222
Date	Mar 2, 2023
Instrument	A-1582222

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Feb 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3960 WILLOW CT SW, ROCHESTER, MN 55902-1226
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1552833
Date	Nov 22, 2021
Instrument	A-1552833

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	3960 WILLOW CT SW, ROCHESTER, MN 55902-1226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1485722
Date	Nov 8, 2019
Instrument	A-1485722

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 11, 2039

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Feb 26, 2020
Property Address	3960 WILLOW CT SW, ROCHESTER, MN 55902-1226
Document Number	A1493485
Instrument Date	Feb 18, 2020
Instrument	A-1493485
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$738.94
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 WILLOW CT SW, ROCHESTER, MN 55902-1226

Mortgage

Document Number	A1493486
Date	Feb 26, 2020
Instrument	A-1493486

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTA
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	A1493487
Date	Feb 26, 2020
Instrument	A-1493487

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 3960 Willow Ct SW was $4,690 with a homeowner's exemption, up 23.7% 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	$4,690.00 (+23.75%) Homeowner's exemption
2025	$3,790.00 Homeowner's exemption	$272,300 (-4.66%) Land $46,500 Building $225,800	$292,600 (+2.45%) Land $50,000 Building $242,600
2024		$285,600 Land $50,000 Building $235,600	$285,600 Land $50,000 Building $235,600

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

Flood

FEMA maps place 3960 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 3960 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.

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