405 3rd St NW, Elgin, MN 55932 Property Records

Wabasha County property record for 405 3rd St NW, Elgin, MN 55932

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,388 sqft · built 1996
Lot Size	0.254 acres (11,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2010)
Tax Bill	$3,706 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R19.00285.00`

Property Details

APN / Parcel Number

Primary APN	`R19.00285.00`
Alternative APNs	`19.00285.00` `14062`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	1,388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,056 sqft (0.254 acres)
Lot Dimensions	120 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	548 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 3RD ST NW
City	ELGIN
State	MN
Zip	55932-9611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-28 TWP-108 RANGE-012 WESTSIDE ACRES SUBDIVISION LOT-005 BLOCK-003 (WWW)
Legal Range	12
Legal Township	108
Legal Section	28
Legal Subdivision	WESTSIDE ACRES SUBDIVISION
Legal Block	3
Legal Lot Number	5
Jurisdiction	WABASHA MN
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
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	2 Individual Names on Record
Mailing Address	405 3RD ST NW, ELGIN, MN 55932-9611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES STATE BANK
Jun 22, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2010 · Amount on Record
Deed Sale	Sep 17, 2010 · Amount on Record
Deed Document Number	20101298960
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	405 3RD ST NW, ELGIN, MN 55932-9611
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	TRADEMARK TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4053RD ST NW, ELGIN, MN 55932

Mortgage

Document Number	0000343681
Date	Apr 6, 2021
Instrument	343681

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	ELGIN, MN 55932

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	405 3RD ST NW, ELGIN, MN 55932-9611
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 3RD ST NW, ELGIN, MN 55932-9611

Mortgage

Document Number	0000344878
Date	Jun 22, 2021
Instrument	344878

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	ELGIN, MN 55932

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 22, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	405 3RD ST NW, ELGIN, MN 55932-9611
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 3RD ST NW, ELGIN, MN 55932-9611

Mortgage

Document Number	0000345703
Date	Aug 25, 2021
Instrument	345703

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	ELGIN, MN 55932

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 22, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,706.00 (+6.25%) Homeowner's exemption	$283,700 (-3.47%) Land $40,000 Building $243,700	$283,700 (-3.47%) Land $40,000 Building $243,700
2025	$3,488.00 (+1.87%) Homeowner's exemption	$293,900 (+7.26%) Land $40,000 Building $253,900	$293,900 (+7.26%) Land $40,000 Building $253,900
2023	$3,424.00 Homeowner's exemption	$274,000 Land $40,000 Building $234,000	$274,000 Land $40,000 Building $234,000

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

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber	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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