416 Mill St S, Waterville, MN 56096 Property Records

Le Sueur County property record for 416 Mill St S, Waterville, MN 56096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,258 sqft · built 1900
Lot Size	0.619 acres (26,983 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Apr 2026)
Tax Bill	$3,254 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24.450.0580`

Property Details

APN / Parcel Number

Primary APN	`24.450.0580`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,258 sqft Living Area
Gross Area	384 sqft
1st Floor Area	1,104 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,983 sqft (0.619 acres)
Lot Dimensions	223 ft deep x 121 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	416 MILL ST S
City	WATERVILLE
State	MN
Zip	56096-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN ADDN BLOCK-009 S 1/2 OF LOT 4 & LOT 5 & N 22 FT OF LOT 8
Legal Subdivision	BROWN ADDN
Legal Block	9
Legal Lot Number	4-5,8
Jurisdiction	LE SUEUR MN
Township / Civil Division	WATERVILLE
Census Block Group	4
Census Block	4032
Census Tract	950400

Owner

416 Mill St S is owned and occupied by two individuals who bought it in April 2026.

Source: Le Sueur County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	416 MILL ST S, WATERVILLE, MN 56096-1338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Deed Document Number	2026462364
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LE SUEUR MN
Recording Date	Apr 13, 2026
Property Address	416 MILL ST S, WATERVILLE, MN 56096-1338
Document Number	0000462364
Instrument Date	Apr 10, 2026
Instrument	2026462364
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61,660.50
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	416 MILL ST S, WATERVILLE, MN 56096-1338

Mortgage

Document Number	0000462364,
Date	Apr 13, 2026
Instrument	2026462364

Lender

Name	FIRST STATE BANK/LECENTER

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2031

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 416 Mill St S was $3,254.

Source: Le Sueur County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Le Sueur County
Municipality	Waterville City
Unified School District	Waterville-Elysian-Morristown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,254.00	$229,400 (+4.46%) Land $51,000 Building $178,400	$229,400 (+4.46%) Land $51,000 Building $178,400
2025	$3,254.00 Homeowner's exemption	$219,600 Land $51,000 Building $168,600	$219,600 Land $51,000 Building $168,600
2023	$2,392.00 Homeowner's exemption	$204,900 Land $43,000 Building $161,900	$204,900 Land $43,000 Building $161,900
2022	$2,392.00

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

Flood

FEMA maps place 416 Mill St S in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024 · 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	3 in force
Nearby Flood Claims	8 (1983–2024)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jun 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2024 · 5 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

Wildfire risk around 416 Mill St S is low, with less than a 0.01% annual chance of 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	Waterville serves 1,868 people · EPA ID MN1400015
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Midco Cable · Fixed Wireless in parts of the area	1,250 / 250
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Netwave Broadband Fixed Wireless · not low latency	125 / 40
T-Mobile Fixed Wireless	100 / 20