408 Center Ave, Spring Valley, MN 55975 Property Records

Fillmore County property record for 408 Center Ave, Spring Valley, MN 55975

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,210 sqft · built 1912
Lot Size	0.231 acres (10,064 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jun 2022)
Tax Bill	$3,152 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36.0611.000`

Property Details

APN / Parcel Number

Primary APN	`36.0611.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,210 sqft Heated Area
Gross Area	1,424 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1912
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	10,064 sqft (0.231 acres)
Lot Dimensions	148 ft deep x 68 ft wide
Garage Area	960 sqft
Driveway	Concrete Driveway
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	408 CENTER AVE
City	SPRING VALLEY
State	MN
Zip	55975-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRISWOLD & WARNERS ADDITION LOT-003 BLOCK-002 LOT 3 BLK 2 GRISWOLD & WARNERS ADDITION
Legal Subdivision	GRISWOLD & WARNERS ADDITION
Legal Block	2
Legal Lot Number	3
Jurisdiction	FILLMORE MN
Township / Civil Division	SPRING VALLEY
Census Block Group	3
Census Block	3019
Census Tract	960300

Owner

408 Center Ave is owned and occupied by two individuals who bought it in June 2022.

Source: Fillmore County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Aug 12, 2010	Deed of Trust, Mortgage · Conventional Mortgage QR LENDING INC
Dec 1, 2005	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Dec 12, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage THINK MUTUAL BANK
Jun 30, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MATTHEW FOWLER
Aug 5, 2005	Warranty Deed, Transfer · ARM HOMESERVICES LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Dec 1, 2016 · Amount on File
Deed Document Number	20221432743
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000436333
Date	Jan 3, 2022
Instrument	436333

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Feb 1, 2046

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000379794
Date	Aug 12, 2010
Instrument	379794

Lender

Name	QR LENDING INC
Type	Lending Institution
Address	MADISON, WI 53719

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2040

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000350021
Date	Dec 1, 2005
Instrument	350021

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	56 Months
Due	Aug 15, 2010

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Dec 12, 2022
Property Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Document Number	0000440823
Instrument Date	Nov 30, 2022
Instrument	440823
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502

Mortgage

Document Number	0000440824
Date	Dec 12, 2022
Instrument	440824

Lender

Name	THINK MUTUAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Jun 30, 2022
Property Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Document Number	0000438851
Instrument Date	Jun 28, 2022
Instrument	438851
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12354 COUNTY 8, SPRING VALLEY, MN 55975-4527

Mortgage

Document Number	0000438852
Date	Jun 30, 2022
Instrument	438852

Lender

Name	MATTHEW FOWLER

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Aug 5, 2005
Property Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Document Number	0000347846
Instrument Date	Aug 1, 2005
Instrument	347846
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$432.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	408 CENTER AVE, SPRING VALLEY, MN 55975-1502
Investor	Possibly a Property Investor

Mortgage

Document Number	0000347847
Date	Aug 5, 2005
Instrument	347847

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company
Address	DES MOINES, IA 50306

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Sep 1, 2010
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2026 property tax bill for 408 Center Ave was $3,152 with a homeowner's exemption.

Source: Fillmore County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Fillmore County
Municipality	Spring Valley City
Unified School District	Kingsland Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,152.00 Homeowner's exemption	$280,400 (+21.81%) Land $23,600 Building $256,800	$280,400 (+21.81%) Land $23,600 Building $256,800
2025		$230,200 Land $23,600 Building $206,600	$230,200 Land $23,600 Building $206,600
2023		$179,500 Land $23,600 Building $155,900	$179,500 Land $23,600 Building $155,900
2020	$2,458.00

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

Flood

FEMA maps place 408 Center Ave in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective October 15, 2019 · 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 Policies	4 in force
Nearby Flood Claims	14 (2000–2013)
Most Recent Claim	May 2013 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 5 claims Severe Storms And Flooding, Jul 2000 · 4 claims

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

The area around 408 Center Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	Spring Valley serves 2,580 people · EPA ID MN1230012
Water Source	Groundwater
Last State Inspection	Jun 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
GigFire Fixed Wireless	150 / 130
Hiawatha Broadband Communications Fixed Wireless	100 / 20

May also be available: Verizon.

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