401 4th St S, Virginia, MN 55792 Property Records

St. Louis County property record for 401 4th St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1903
Lot Size	0.136 acres (5,938 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (Jan 2018)
Tax Bill	$1,554 (2026)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-0010-13690`

Property Details

APN / Parcel Number

Primary APN	`090-0010-13690`
Alternative APN	`981453`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,488 sqft Gross Area
1st Floor Area	954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,938 sqft (0.136 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	70 sqft
Deck Area	24 sqft
Patio Area	222 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	981453
Street Address	401 4TH ST S
City	VIRGINIA
State	MN
Zip	55792-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 31 AND 32 SERIAL #
Legal Subdivision	VIRGINIA
Legal Block	50
Legal Lot Number	31-32
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	2
Census Block	2023
Census Tract	13100

Owner

401 4th St S is owned and occupied by an individual who bought it in January 2018.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	401 4TH ST S, VIRGINIA, MN 55792-2723
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2018 · Amount on File
Deed Sale	Jan 29, 2018 · Amount on File
Prior Sale	Dec 16, 2014 · Amount on File
Deed Document Number	20181326723
Record Updated	Sep 20, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2018
Property Address	401 4TH ST S, VIRGINIA, MN 55792-2723
Document Number	00A1326723
Instrument Date	Jan 16, 2018
Instrument	A1326723
Transaction Type	Transfer
Record Updated	Feb 12, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 4TH ST S VIRGINIA MN 557922723, VIRGINIA, MN 55792-2723

Mortgage

Document Number	A1326724
Date	Jan 29, 2018
Instrument	A1326724

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 401 4th St S was $1,554 with a homeowner's exemption, up 21.4% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,554.00 (+21.41%) Homeowner's exemption
2025	$1,280.00 (+3.9%) Homeowner's exemption	$136,300 (+11.08%) Land $6,500 Building $129,800	$136,300 (+11.08%) Land $6,500 Building $129,800
2024	$1,232.00	$122,700 Land $5,500 Building $117,200	$122,700 Land $5,500 Building $117,200
2022		$92,500 Land $4,900 Building $87,600	$92,500 Land $4,900 Building $87,600

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

Flood

FEMA maps place 401 4th St S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 4th St S is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 710 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC, Verizon.

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