Le Sueur County property record for 425 2nd St S, Waterville, MN 56096
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $28,000 (Sep 2026) |
| Tax Bill | $380 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24.620.0470 |
| Primary APN | 24.620.0470 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 165 ft deep x 132 ft wide |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Street Address | 425 2ND ST S |
|---|---|
| City | WATERVILLE |
| State | MN |
| Zip | 56096 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P P & H ADDN BLOCK-032 LOT 15 & LOT 18 |
| Legal Subdivision | P P & H ADDN |
| Legal Block | 32 |
| Legal Lot Number | 15,18 |
| Jurisdiction | LE SUEUR MN |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 4 |
| Census Block | 4037 |
| Census Tract | 950400 |
425 2nd St S is owned by two individuals who bought it in September 2026.
Source: Le Sueur County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 211 HERBERT ST S, WATERVILLE, MN 56096-1390 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2026 · Amount on File |
| Deed Sale | Sep 21, 2026 · Amount on File |
| Deed Document Number | 2026464937 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LE SUEUR MN |
| Recording Date | Sep 21, 2026 |
| Property Address | 425 2ND ST S, WATERVILLE, MN 56096 |
| Document Number | 0000464937 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 2026464937 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | FIRST FINANCIAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,332.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 211 HERBERT ST S, WATERVILLE, MN 56096-1390 |
| Investor | Possibly a Property Investor |
| Document Number | 0000464937, |
|---|---|
| Date | Sep 21, 2026 |
| Instrument | 2026464937 |
| Name | BANK TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.44% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 425 2nd St S was $380.
Source: Le Sueur County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Le Sueur County |
| Municipality | Waterville City |
| Unified School District | Waterville-Elysian-Morristown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $380.00 | $21,100 (-) Land $18,700 Building $2,400 | $21,100 (-) Land $18,700 Building $2,400 |
| 2025 | $380.00 Homeowner's exemption | $21,100 Land $18,700 Building $2,400 | $21,100 Land $18,700 Building $2,400 |
| 2023 | $324.00 Homeowner's exemption | $20,100 Land $17,700 Building $2,400 | $20,100 Land $17,700 Building $2,400 |
| 2022 | $324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 2nd St S in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 28, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 425 2nd 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.
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 |
| 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.
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 |
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