40 5th Ave SE, Elgin, MN 55932 Property Records

Wabasha County property record for 40 5th Ave SE, Elgin, MN 55932

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 894 sqft · built 1991
Lot Size	0.256 acres (11,135 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Dec 2020)
Tax Bill	$4,178 (2026)
Deeds & Mortgages	Mar 2017 Line of Credit Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R19.00264.00`

Property Details

APN / Parcel Number

Primary APN	`R19.00264.00`
Alternative APN	`19.00264.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	894 sqft Living Area
Basement Area	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2009
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,135 sqft (0.256 acres)
Lot Dimensions	130 ft deep x 86 ft wide
Garage Type	Detached
Garage Area	960 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	40 5TH AVE SE
City	ELGIN
State	MN
Zip	55932-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-108 RANGE-012 DECKERS SUBDIVISION LOT-001 BLOCK-002 (WWW)
Legal Range	12
Legal Township	108
Legal Section	27
Legal Subdivision	DECKERS SUBDIVISION
Legal Block	2
Legal Lot Number	1
Jurisdiction	WABASHA MN
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3057
Census Tract	490500

Owner

Source: Wabasha County records, as of August 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	40 5TH AVE SE, ELGIN, MN 55932-2608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2017	Deed of Trust, Mortgage · Line of Credit FIRST ALLIANCE CU
Dec 10, 2020	Warranty Deed, Transfer · Conventional Mortgage PEOPLES STATE BANK
Jul 1, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST ALLIANCE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Deed Document Number	2020342022
Prior Transfer Date	Jun 20, 2019
Prior Transfer Doc	0000335188
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	40 5TH AVE SE, ELGIN, MN 55932-2608
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326668
Date	Mar 23, 2017
Instrument	326668

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 22, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WABASHA MN
Recording Date	Dec 10, 2020
Property Address	40 5TH AVE SE, ELGIN, MN 55932-2608
Document Number	0000342022
Instrument Date	Dec 1, 2020
Instrument	342022
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$841.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 5TH AVE SE, ELGIN, MN 55932-2608

Mortgage

Document Number	0000342023
Date	Dec 10, 2020
Instrument	342023

Lender

Name	PEOPLES STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WABASHA MN
Recording Date	Jul 1, 2019
Property Address	40 5TH AVE SE, ELGIN, MN 55932-2608
Document Number	0000335188
Instrument Date	Jun 20, 2019
Instrument	335188
Transaction Type	Transfer
Record Updated	May 26, 2023

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
Relationship	Joint Tenants

Mortgage

Document Number	0000335189
Date	Jul 1, 2019
Instrument	335189

Lender

Name	FIRST ALLIANCE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

Source: Wabasha County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wabasha County
Municipality	Elgin City
Unified School District	Plainview-Elgin-Millville (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,178.00 (+8.69%) Homeowner's exemption	$291,800 (-3.95%) Land $50,000 Building $241,800	$291,800 (-3.95%) Land $50,000 Building $241,800
2023	$3,844.00 Homeowner's exemption	$303,800 Land $50,000 Building $253,800	$303,800 Land $50,000 Building $253,800

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 July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2011 · rainfall accumulation

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 99.1% of the US · lower than 96% 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	Elgin serves 1,115 people · EPA ID MN1790001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Midco Cable	1,250 / 60
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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