406 Channel Rd, Albert Lea, MN 56007 Property Records

Freeborn County property record for 406 Channel Rd, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,700 sqft · built 1966
Lot Size	0.35 acres (15,360 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Dec 2020)
Tax Bill	$9,716 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34.135.2090`

Property Details

APN / Parcel Number

Primary APN	`34.135.2090`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,700 sqft Living Area
1st Floor Area	2,540 sqft
Basement Area	840 sqft
Finished Basement	840 sqft
Unfinished Basement	1,708 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,360 sqft (0.35 acres)
Lot Dimensions	120 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	576 sqft
Porch	Slab
Porch Area	240 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 CHANNEL RD
City	ALBERT LEA
State	MN
Zip	56007-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHORELAND HEIGHTS LOT-010 BLOCK-014 LOT 10 BLK 14 SHORELAND HEIGHTS
Legal Subdivision	SHORELAND HEIGHTS
Legal Block	14
Legal Lot Number	10
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	3
Census Block	3009
Census Tract	180400

Owner

Source: Freeborn County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 7, 2020	Warranty Deed, Transfer · VA Mortgage BREMER BANK
Oct 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	2020V1191983
Prior Transfer Date	Jul 25, 2012
Prior Transfer Doc	T112302
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T116099
Date	Sep 16, 2019
Instrument	T116099

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T115196
Date	Nov 2, 2017
Instrument	T115196

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREEBORN MN
Recording Date	Dec 7, 2020
Property Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406
Document Number	CRV1191983
Instrument Date	Dec 7, 2020
Instrument	CRV1191983
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 LEE PL, 205, ALBERT LEA, MN 56007-1425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406

Mortgage

Document Number	000T116790
Date	Dec 8, 2020
Instrument	T116790

Lender

Name	BREMER BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREEBORN MN
Recording Date	Oct 30, 2017
Property Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406
Document Number	CRV743141
Instrument Date	Oct 30, 2017
Instrument	CRV743141
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4545 LINWOOD LN, 4545, EXCELSIOR, MN 55331-9233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CHANNEL RD, ALBERT LEA, MN 56007-1406

Tax Assessment & Valuation

Source: Freeborn County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Albert Lea City
County	Freeborn County
Unified School District	Albert Lea Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,716.00 Homeowner's exemption	$605,500 (-1.5%) Land $59,300 Building $546,200	$605,500 (-1.5%) Land $59,300 Building $546,200
2025	$9,716.00 (+43.9%) Homeowner's exemption	$614,700 (+21.36%) Land $59,300 Building $555,400	$614,700 (+21.36%) Land $59,300 Building $555,400
2023	$6,752.00 (+22.85%) Homeowner's exemption	$506,500 Land $59,300 Building $447,200	$506,500 Land $59,300 Building $447,200
2020	$5,496.00

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 January 26, 2015

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

Values are read at the parcel center point; 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 98% of the US · lower than 92% 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	Albert Lea serves 18,492 people · EPA ID MN1240001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2025) action level 15 ppb
Copper	1.81 mg/L (2021) 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. 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
GigFire Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Midco Fixed Wireless	100 / 20

May also be available: AT&T, Metronet.

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