40 4th St NE, Oronoco, MN 55960 Property Records

Olmsted County property record for 40 4th St NE, Oronoco, MN 55960

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,325 sqft · built 1961
Lot Size	0.416 acres (18,121 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Mar 2026)
Tax Bill	$3,728 (2026)
Deeds & Mortgages	Jul 2012 Line of Credit Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`84.08.34.028700`

Property Details

APN / Parcel Number

Primary APN	`84.08.34.028700`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,325 sqft Living Area
1st Floor Area	1,325 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,121 sqft (0.416 acres)
Lot Dimensions	120 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	40 4TH ST NE
City	ORONOCO
State	MN
Zip	55960-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-08 TWP-108 RANGE-014 ORONOCO VILLAGE LOT-001 BLOCK-010 LOTS 1 AND 4 BLK 10 ALSO INCLUDING THE WLY 10FT OF THE VAC PORTIO
Legal Range	14
Legal Township	108
Legal Section	08
Legal Subdivision	ORONOCO VILLAGE
Legal Block	10
Legal Lot Number	1,4
Jurisdiction	OLMSTED MN
Township / Civil Division	ORONOCO
Census Block Group	1
Census Block	1040
Census Tract	1902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 4TH ST NE, ORONOCO, MN 55960-1828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2012	Deed of Trust, Mortgage · Line of Credit THINK MUTUAL BANK
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Prior Sale	Dec 18, 2012 · Amount on Record
Deed Document Number	20261641427
Record Updated	Sep 20, 2026

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	40 4TH ST NE, ORONOCO, MN 55960-1828
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1293743
Date	Jul 18, 2012
Instrument	A-1293743

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Mar 17, 2026
Property Address	40 4TH ST NE, ORONOCO, MN 55960-1828
Document Number	00A1641427
Instrument Date	Feb 27, 2026
Instrument	A-1641427
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
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	40 4TH ST NE, ORONOCO, MN 55960-1828

Mortgage

Document Number	00A1641428
Date	Mar 17, 2026
Instrument	A-1641428

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	3 Years
Min Rate At Change	5.99%
Max Rate At Change	11.9%
Index	3-Year CMT
Max Rate	11.9%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,728.00 (+9.91%) Homeowner's exemption
2025	$3,392.00 (+39.07%) Homeowner's exemption	$247,800 (+1.77%) Land $45,900 Building $201,900	$270,000 (+10.88%) Land $50,000 Building $220,000
2024		$243,500 (+10.38%) Land $45,000 Building $198,500	$243,500 (+10.38%) Land $45,000 Building $198,500
2022	$2,439.00	$220,600 Land $45,000 Building $175,600	$220,600 Land $45,000 Building $175,600

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

Flood

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
Nearby Flood Policies	6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	Oronoco serves 2,040 people · EPA ID MN1550036
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bevcomm Fiber	1,000 / 1,000
Minnesota WiFi Fixed Wireless	150 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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