417 Saint Thomas Ave, Albert Lea, MN 56007 Property Records

Freeborn County property record for 417 Saint Thomas Ave, Albert Lea, MN 56007

Property Summary

Property Type	Duplex
Details	5 bd · 1 ba · 1,485 sqft · built 1940
Lot Size	0.14 acres (6,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,712 (2026)
Deeds & Mortgages	Nov 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34.180.4600`

Property Details

APN / Parcel Number

Primary APN	`34.180.4600`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,485 sqft Total Area
1st Floor Area	992 sqft
Basement Area	616 sqft
Finished Basement	616 sqft
Unfinished Basement	992 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	768 sqft
Porch	Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Street Address	417 SAINT THOMAS AVE
City	ALBERT LEA
State	MN
Zip	56007-3737
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOME ADDITION LOT-013 BLOCK-022 LOT 13 BLK 22 HOME ADDITION
Legal Subdivision	HOME ADDITION
Legal Block	22
Legal Lot Number	13
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	2
Census Block	2006
Census Tract	180600

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	417 SAINT THOMAS AVE, ALBERT LEA, MN 56007-3737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	417 SAINT THOMAS AVE, ALBERT LEA, MN 56007-3737
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5518580
Date	Nov 10, 2021
Instrument	5518580

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	106 Months
Due	Sep 1, 2030

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	417 SAINT THOMAS AVE, ALBERT LEA, MN 56007-3737
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A542536
Date	May 18, 2020
Instrument	A542536

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	May 1, 2032

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	417 SAINT THOMAS AVE, ALBERT LEA, MN 56007-3737
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A537267
Date	Apr 26, 2019
Instrument	A537267

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2034

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	417 SAINT THOMAS AVE, ALBERT LEA, MN 56007-3737
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A534524
Date	Oct 2, 2018
Instrument	A534524

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2033

Interest

Rate Type	Fixed Rate

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	$2,712.00 Homeowner's exemption	$219,500 (+63.56%) Land $8,200 Building $211,300	$219,500 (+63.56%) Land $8,200 Building $211,300
2025	$2,712.00 (+47.07%)
2023	$1,844.00 (+30.04%) Homeowner's exemption	$134,200 Land $8,200 Building $126,000	$134,200 Land $8,200 Building $126,000
2020	$1,418.00

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 · 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 Claims	17 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Winter Storms, Flooding, And Tornadoes, Jun 2001 · 3 claims Severe Storms, Tornadoes & Flooding, Aug 1993 · 2 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

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	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 290 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet.

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