407 4th St S, Virginia, MN 55792 Property Records

St. Louis County property record for 407 4th St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,996 sqft · built 1909
Lot Size	0.103 acres (4,518 sqft)
Owner	Individual Name on Record
Last Sale	$233,000 (Oct 2022)
Tax Bill	$102 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`090-0010-13650`

Property Details

APN / Parcel Number

Primary APN	`090-0010-13650`
Alternative APNs	`1120813` `1138198`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,996 sqft Gross Area
1st Floor Area	1,410 sqft
Basement Area	390 sqft
Finished Basement	390 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Wood
Construction Type	Frame
Lot Area	4,518 sqft (0.103 acres)
Garage Area	504 sqft

Exterior Amenities

Porch	Porch
Porch Area	312 sqft
Deck Area	101 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1138198
Street Address	407 4TH ST S
City	VIRGINIA
State	MN
Zip	55792-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 AND W1/2 OF LOT 29, BLOCK 50 SERIAL #
Legal Subdivision	VIRGINIA
Legal Block	50
Legal Lot Number	28-29
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	2
Census Block	2023
Census Tract	13100

Owner

Source: St. Louis County records, as of September 22, 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	405 4TH ST S, VIRGINIA, MN 55792-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage REGENT FINANCIAL GROUP INC
Nov 15, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Nov 15, 2021 · Amount on Record
Deed Document Number	20221453692
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2022
Property Address	407 4TH ST S, VIRGINIA, MN 55792-2723
Document Number	0001453692
Instrument Date	Oct 3, 2022
Instrument	1453692
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	CONCIERGE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.90
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 4TH ST S, VIRGINIA, MN 55792-2723

Mortgage

Document Number	0001453693
Date	Oct 7, 2022
Instrument	1453693

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 15, 2021
Property Address	407 4TH ST S, VIRGINIA, MN 55792-2723
Document Number	0001429988
Instrument Date	Oct 14, 2021
Instrument	1429988
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount Recorded
Tax	$10.89
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 4TH ST S # 5, 5, VIRGINIA, MN 55792-2723

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$102.00 (+18.6%) Homeowner's exemption
2025	$86.00 (+10.26%)	$5,000 (+16.28%) Land $5,000	$5,000 (+16.28%) Land $5,000
2024		$4,300 (+13.16%) Land $4,300	$4,300 (+13.16%) Land $4,300
2022	$78.00	$3,800 Land $3,800	$3,800 Land $3,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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. 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 710 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC, Verizon.

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