400 E River St, Monticello, MN 55362 Property Records

Wright County property record for 400 E River St, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,465 sqft · built 1935
Lot Size	0.251 acres (10,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Jul 2019)
Tax Bill	$3,846 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`155-015-004110`

Property Details

APN / Parcel Number

Primary APN	`155-015-004110`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,465 sqft Living Area
1st Floor Area	1,172 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	10,934 sqft (0.251 acres)
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	400 E RIVER ST
City	MONTICELLO
State	MN
Zip	55362-9396
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-121 RANGE-025 LOWER MONTICELLO LOT-011 BLOCK-004
Legal Range	025
Legal Township	121
Legal Section	11
Legal Subdivision	LOWER MONTICELLO
Legal Block	4
Legal Lot Number	11
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	1
Census Block	1003
Census Tract	100205

Owner

Source: Wright County records, as of July 20, 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	400 E RIVER ST, MONTICELLO, MN 55362-9396
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · VA Mortgage RIVERWOOD BANK
Jul 24, 2019	Warranty Deed, Transfer · VA Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2019 · Amount on Record
Deed Sale	Jul 24, 2019 · Amount on Record
Prior Sale	Oct 15, 2015 · Amount on Record
Deed Document Number	20191401029
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	400 E RIVER ST, MONTICELLO, MN 55362-9396
Transaction Type	Mortgage
Record Updated	Jan 25, 2022
Title Company	PREFERRED TITLE/MO INC, PREFERRED TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1494059
Date	Dec 21, 2021
Instrument	A1494059

Lender

Name	RIVERWOOD BANK
Type	Bank
Address	MORRIS, MN 56267

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 24, 2019
Property Address	400 E RIVER ST, MONTICELLO, MN 55362-9396
Document Number	0001401029
Instrument Date	Jul 22, 2019
Instrument	1401029
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	NORTH TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
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	400 E RIVER ST, MONTICELLO, MN 55362-9396

Mortgage

Document Number	0001401030
Date	Jul 24, 2019
Instrument	1401030

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
Municipality	Monticello City
Unified School District	Monticello Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,846.00 (+31.35%)	$360,600 (+4.31%) Land $90,500 Building $270,100	$360,600 (+4.31%) Land $90,500 Building $270,100
2025		$345,700 (+8.88%) Land $90,000 Building $255,700	$345,700 (+8.88%) Land $90,000 Building $255,700
2023	$2,928.00 (+25.34%)	$317,500 Land $85,000 Building $232,500	$317,500 Land $85,000 Building $232,500
2022	$2,336.00

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 April 19, 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

Values are read at the parcel center point; 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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 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	Monticello serves 15,087 people · EPA ID MN1860012
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000
Fibernet Monticello Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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