404 E Cottonwood St, Springfield, MN 56087 Property Records

Brown County property record for 404 E Cottonwood St, Springfield, MN 56087

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1920
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,148 (2026)
Deeds & Mortgages	Jun 2021 Sale Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003.010.001.01.018`

Property Details

APN / Parcel Number

Primary APN	`003.010.001.01.018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,316 sqft Heated Area
Gross Area	1,048 sqft
1st Floor Area	978 sqft
Flooring	Laminate Plank
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	440 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	624 sqft
Deck Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 E COTTONWOOD ST
City	SPRINGFIELD
State	MN
Zip	56087-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-109 RANGE-034 UNPLATTED .29 AC LOT A OF SUBL 1 & S 70.6 FT OF LOT 1 OF LOT B OF SUBL 1
Legal Range	34
Legal Township	109
Legal Section	19
Legal Subdivision	UNPLATTED
Legal Lot Number	1
Jurisdiction	BROWN MN
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3031
Census Tract	960600

Owner

Source: Brown County records, as of May 1, 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	920 COUNTY ROAD 5, SPRINGFIELD, MN 56087-2202
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Warranty Deed, Transfer
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage F & M BANK
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage SOUTHPOINT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021
Deed Sale	Jun 23, 2021
Prior Sale	Apr 1, 2021 · Amount on Record
Deed Document Number	2021431595
Prior Transfer Date	Sep 19, 2014
Prior Transfer Doc	0000399683
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROWN MN
Recording Date	Jun 23, 2021
Property Address	404 E COTTONWOOD ST, SPRINGFIELD, MN 56087-2602
Document Number	431595
Instrument Date	May 21, 2021
Instrument	431595
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Tax	$1.65
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 E CENTRAL ST, SPRINGFIELD, MN 56087-1608

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROWN MN
Recording Date	Apr 1, 2021
Property Address	404 E COTTONWOOD ST, SPRINGFIELD, MN 56087-2602
Document Number	0000430312
Instrument Date	Mar 26, 2021
Instrument	430312
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.16
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	920 COUNTY ROAD 5, SPRINGFIELD, MN 56087-2202

Mortgage

Document Number	0000430313
Date	Apr 1, 2021
Instrument	430313

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2026

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROWN MN
Recording Date	Oct 29, 2018
Property Address	404 E COTTONWOOD ST, SPRINGFIELD, MN 56087-2602
Document Number	0000418111
Instrument Date	Oct 22, 2018
Instrument	418111
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.85
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	404 E COTTONWOOD ST, SPRINGFIELD, MN 56087-2602

Mortgage

Document Number	0000418117
Date	Oct 30, 2018
Instrument	418117

Lender

Name	SOUTHPOINT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2038

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Brown County assessment roll, as of May 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,148.00 (+5.19%)
2025		$109,800 (-5.99%) Land $14,800 Building $95,000	$109,800 (-5.99%) Land $14,800 Building $95,000
2024		$116,800 (+6.38%) Land $14,800 Building $102,000	$116,800 (+6.38%) Land $14,800 Building $102,000
2023	$2,042.00	$109,800 (+18.96%) Land $12,800 Building $97,000	$109,800 (+18.96%) Land $12,800 Building $97,000
2022		$92,300 Land $11,100 Building $81,200	$92,300 Land $11,100 Building $81,200

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 September 25, 2009 · 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	11 (1983–2024)
Most Recent Claim	Jun 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2024 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2018 · 2 claims Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2014 · 2 claims

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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.02% 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	Springfield serves 2,070 people · EPA ID MN1080008
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	18 ppb (2024–2026) action level 15 ppb
Copper	1.44 mg/L (2024–2026) action level 1.3 mg/L

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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Nuvera Communications Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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