406 4th St S, Buffalo, MN 55313 Property Records

Wright County property record for 406 4th St S, Buffalo, MN 55313

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,911 sqft · built 1956
Lot Size	0.245 acres (10,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jul 2026)
Tax Bill	$3,134 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-020-002040`

Property Details

APN / Parcel Number

Primary APN	`103-020-002040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,911 sqft Living Area
1st Floor Area	1,274 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1975
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,710 sqft (0.245 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	406 4TH ST S
City	BUFFALO
State	MN
Zip	55313-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-120 RANGE-025 CADYS 2ND ADDN LOT-004 BLOCK-002 & E20FT OF LT3 & E20FT OF LT3
Legal Range	025
Legal Township	120
Legal Section	30
Legal Subdivision	CADYS 2ND ADDN
Legal Block	2
Legal Lot Number	4,3
Jurisdiction	WRIGHT MN
Township / Civil Division	BUFFALO
Census Block Group	3
Census Block	3006
Census Tract	100701

Owner

Source: Wright County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	406 4TH ST S, BUFFALO, MN 55313-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 29, 2022	Warranty Deed, Transfer · VA Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Sep 28, 2022 · Amount on Record
Deed Document Number	20261606448
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 1, 2026
Property Address	406 4TH ST S, BUFFALO, MN 55313-1429
Document Number	0001606448
Instrument Date	May 27, 2026
Instrument	20261606448
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	CENTRAL LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,989.00
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	406 4TH ST S, BUFFALO, MN 55313-1429

Mortgage

Document Number	0001606449,
Date	Jul 1, 2026
Instrument	20261606449

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	406 4TH ST S, BUFFALO, MN 55313-1429
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001477471
Date	Jul 21, 2021
Instrument	1477471

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2031

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 29, 2022
Property Address	406 4TH ST S, BUFFALO, MN 55313-1429
Document Number	00A1517883
Instrument Date	Sep 28, 2022
Instrument	A1517883
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	CENTRAL LAND TITLE, CENTRAL LAND TTL GUARANTEE C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$950.40
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	406 4TH ST S, BUFFALO, MN 55313-1429

Mortgage

Document Number	00A1517884
Date	Sep 29, 2022
Instrument	A1517884

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,134.00 (-0.7%)	$277,700 (+2.74%) Land $75,000 Building $202,700	$277,700 (+2.74%) Land $75,000 Building $202,700
2025		$270,300 (-3.53%) Land $75,000 Building $195,300	$270,300 (-3.53%) Land $75,000 Building $195,300
2023	$3,156.00 (+14.35%)	$280,200 Land $70,000 Building $210,200	$280,200 Land $70,000 Building $210,200
2022	$2,760.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	17 (1983–1986)
Most Recent Claim	Aug 1986 · tidal / storm surge

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	Buffalo serves 16,711 people · EPA ID MN1860005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Buffalo Fiber, Verizon, Xtratyme Technologies.

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