409 40th St NW, Austin, MN 55912 Property Records

Mower County property record for 409 40th St NW, Austin, MN 55912

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1959
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Feb 2024)
Tax Bill	$3,770 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2007 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`34.876.0250`

Property Details

APN / Parcel Number

Primary APN	`34.876.0250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Basement Area	702 sqft
Finished Basement	702 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	409 40TH ST NW
City	AUSTIN
State	MN
Zip	55912-6224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06 102 018 N120FT N20RDS S70RDS E20 RODS SW1/4 NE1/4 .92AC
Legal Range	18
Legal Township	102
Legal Section	06
Legal Subdivision	UNKNOWN
Jurisdiction	MOWER MN
Township / Civil Division	AUSTIN
Census Block Group	1
Census Block	1030
Census Tract	900

Owner

Source: Mower County records · APN 34.876.0250

Assessment roll updated September 16, 2025 · Last verified June 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 File
Mailing Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORP
Feb 07, 2007	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND
Feb 07, 2007	Deed of Trust, Mortgage · Line of Credit IRWIN UNION BANK & TRUST CO
Nov 12, 2025	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 05, 2024	Warranty Deed, Transfer · FHA Mortgage LOWE COM LLC
Nov 21, 2016	Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 02, 2024 · Amount on Record
Deed Sale	Feb 02, 2024 · Amount on Record
Prior Sale	Nov 21, 2016 · Amount on Record
Deed Document Number	20241620424
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOWER MN
Property Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Transaction Type	Mortgage
Record Updated	Jun 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000661289
Date	Jun 21, 2021
Instrument	661289

Lender

Name	HOME POINT FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Interest

Rate Type	Fixed Rate

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOWER MN
Property Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Transaction Type	Mortgage
Record Updated	Jun 09, 2026
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000556709
Date	Feb 07, 2007
Instrument	A000556709

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 23, 2022

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOWER MN
Property Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Transaction Type	Mortgage
Record Updated	Jun 09, 2026
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000556710
Date	Feb 07, 2007
Instrument	A000556710

Lender

Name	IRWIN UNION BANK & TRUST CO
Type	Bank
Address	CARSON CITY, NV 89706

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MOWER MN
Recording Date	Nov 12, 2025
Property Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Document Number	000A690781
Instrument Date	Nov 06, 2025
Instrument	A690781
Transaction Type	Transfer
Record Updated	Jun 09, 2026
Title Company	NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 40TH ST NW, AUSTIN, MN 55912-6224

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	409 40TH ST NW, AUSTIN, MN 55912-6224

Mortgage

Document Number	000A690782
Date	Nov 12, 2025
Instrument	A690782

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	1-Year CMT

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOWER MN
Recording Date	Feb 05, 2024
Property Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Document Number	000A679935
Instrument Date	Feb 05, 2024
Instrument	A679935
Transaction Type	Transfer
Record Updated	Feb 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,138.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 40TH ST NW, AUSTIN, MN 55912-6224

Mortgage

Document Number	000A679936
Date	Feb 05, 2024
Instrument	A679936

Lender

Name	LOWE COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

November 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOWER MN
Recording Date	Nov 21, 2016
Property Address	409 40TH ST NW, AUSTIN, MN 55912-6224
Document Number	A000630094
Instrument Date	Oct 10, 2016
Instrument	A000630094
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$494.67
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 40TH ST NW, AUSTIN, MN 55912-6224

Mortgage

Document Number	A000630095
Date	Nov 21, 2016
Instrument	A000630095

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2046

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mower County records · Assessment roll updated September 16, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Austin City
County	Mower County
Unified School District	Austin Public School District (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	$3,770.00 (+23.53%)
2025	$3,052.00 (-42.65%)	$297,700 (+38.27%) Land $41,400 Building $256,300	$297,700 (+38.27%) Land $41,400 Building $256,300
2023	$5,322.00	$215,300 Land $41,400 Building $173,900	$215,300 Land $41,400 Building $173,900
2022	$5,322.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 31, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Severe Storms And Flooding

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
Midcontinent Communications Fixed Wireless	100 / 20

Based on FCC filings for 40 locations within half a mile of this property.

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