405 3rd St S, Buffalo, MN 55313 Property Records

Wright County property record for 405 3rd St S, Buffalo, MN 55313 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,140 sqft · built 1947
Lot Size	0.23 acres (10,042 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Aug 2014)
Tax Bill	$1,854 (2026)
Deeds & Mortgages	Dec 2018 Mortgage Oct 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`103-020-003031`

Property Details

APN / Parcel Number

Primary APN	`103-020-003031`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	10,042 sqft (0.23 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 3RD ST S
City	BUFFALO
State	MN
Zip	55313-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-120 RANGE-025 CADYS 2ND ADDN BLOCK-003 W1/2 OF LTS3&4 BLK3 & TH PRT OF E1/2 OF VAC ALLEY WH LIES BET N LN OF LT4
Legal Range	025
Legal Township	120
Legal Section	30
Legal Subdivision	CADYS 2ND ADDN
Legal Block	3,3
Legal Lot Number	4,3
Jurisdiction	WRIGHT MN
Township / Civil Division	BUFFALO
Census Block Group	3
Census Block	3010
Census Tract	100701

Owner

Source: Wright County records · APN 103-020-003031

Assessment roll updated July 20, 2026 · Last verified July 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 File
Mailing Address	405 3RD ST S, BUFFALO, MN 55313-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 06, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Oct 01, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Oct 02, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Oct 17, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Feb 28, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 21, 2014 · Amount on Record
Deed Sale	Aug 21, 2014 · Amount on Record
Prior Sale	Aug 31, 2011 · Amount on Record
Deed Document Number	2014125669
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 3RD ST S, BUFFALO, MN 55313-1424
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001386191
Date	Dec 12, 2018
Instrument	1386191

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 3RD ST S, BUFFALO, MN 55313-1424
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	MORTGAGE CONNECT OF TX LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001443015
Date	Oct 06, 2020
Instrument	1443015

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 3RD ST S, BUFFALO, MN 55313-1424
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001485637
Date	Oct 01, 2021
Instrument	1485637

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 3RD ST S, BUFFALO, MN 55313-1424
Document Number	0001407516
Instrument Date	Oct 02, 2019
Transaction Type	Mortgage
Record Updated	Nov 04, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 3RD ST S BUFFALO MN 553131424, BUFFALO, MN 55313-1424

Mortgage

Document Number	0001407516
Date	Oct 07, 2019
Instrument	1407516

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	MADISON, MO 65263

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 06, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 3RD ST S, BUFFALO, MN 55313-1424
Document Number	0001356866
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 08, 2017
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 3RD ST S BUFFALO MN 553131424, BUFFALO, MN 55313-1424

Mortgage

Document Number	0001356866
Date	Oct 27, 2017
Instrument	1356866

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 3RD ST S, BUFFALO, MN 55313-1424
Document Number	0001339367
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017
Title Company	NORTH STREET ABSTRACT INC, NORTH STREET ABS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 3RD ST S BUFFALO MN 553131424, BUFFALO, MN 55313-1424

Mortgage

Document Number	0001339367
Date	Mar 21, 2017
Instrument	1339367

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2047

Tax Assessment & Valuation

Source: Wright County records · Assessment roll updated July 20, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Buffalo City
County	Wright County
Unified School District	Buffalo-Hanover-Montrose Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,854.00 (-6.27%)	$177,200 (+0.97%) Land $75,000 Building $102,200	$177,200 (+0.97%) Land $75,000 Building $102,200
2025		$175,500 (-6%) Land $75,000 Building $100,500	$175,500 (-6%) Land $75,000 Building $100,500
2023	$1,978.00 (+12.26%)	$186,700 Land $70,000 Building $116,700	$186,700 Land $70,000 Building $116,700
2022	$1,762.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wright County (27171C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271711007013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	17 (1983–1986)
Most Recent Claim	Aug 1986, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 365 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: City of Buffalo, Minnesota, Verizon, Xtratyme Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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