425 Nelson St E, Stillwater, MN 55082 Property Records

Washington County property record for 425 Nelson St E, Stillwater, MN 55082

Property Summary

Property Type	Restaurant
Details	4,351 sqft · built 1987
Lot Size	0.528 acres (22,978 sqft)
Owner	Company Name on File
Tax Bill	$46,142 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2019 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`28-030-20-41-0044`

Property Details

APN / Parcel Number

Primary APN	`28-030-20-41-0044`

Interior

Building Area	4,351 sqft Total Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	22,978 sqft (0.528 acres)

Location & Zoning

Street Address	425 NELSON ST E
City	STILLWATER
State	MN
Zip	55082-5164
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	PT LTS 10-11 BLK 28 ORIG TOWN STILLWATER DESC AS FOLL COM AT MOST WLY COR SD LT 11 THN S50 DEG E ASM BRG ALG SWLY LN SD LT 11 140FT THN N54DEG30'3 PAR WITH NWLY LN SD LT 11 220.16FT TO POB THN N36DEG16'24 W 87.14 FT TO SELY LN OF NWLY 50FT SD LT 11 A
Legal Range	20W
Legal Township	30N
Legal Section	28
Legal Subdivision	STILLWATER
Legal Block	28
Legal Lot Number	10-11
Jurisdiction	WASHINGTON MN
Township / Civil Division	STILLWATER
Census Block Group	1
Census Block	1001
Census Tract	70602

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stillwater Commercial Historic District listed 1992 · 62 contributing resources · NRIS 92000288

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

425 Nelson St E, a commercial property, is owned by a company.

Source: Washington County records, as of July 20, 2026

Owner of Record	Company Name on File
Mailing Address	4639 LAKE AVE, SAINT PAUL, MN 55110-3410
Owner Type	Company
Vesting	Company

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
Apr 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKE ELMO BANK
Aug 19, 2019	Loan Modification, Mortgage LAKE ELMO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MN
Recording Date	Apr 9, 2026
Property Address	425 NELSON ST E, STILLWATER, MN 55082-5164
Document Number	0001299082
Instrument Date	Apr 3, 2026
Instrument	20261299082
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE (RECORDING SERVIC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	4639 LAKE AVE, SAINT PAUL, MN 55110-3410

Mortgage

Document Number	0001299082,
Date	Apr 9, 2026
Instrument	20261299082

Lender

Name	LAKE ELMO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 3, 2046

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON MN
Property Address	425 NELSON ST E, STILLWATER, MN 55082-5164
Document Number	0001261476
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	425 NELSON ST E STILLWATER MN 550825164, STILLWATER, MN 55082-5164

Mortgage

Document Number	0001261476
Date	Sep 30, 2019
Instrument	1261476

Lender

Name	LAKE ELMO BK
Type	Bank
Address	LAKE ELMO, MN 55042-0857

Agreement

Term	24 Months
Due	Sep 29, 2021

Tax Assessment & Valuation

The 2026 property tax bill for 425 Nelson St E was $46,142.

Source: Washington County assessment roll, as of June 9, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Washington County
Municipality	Stillwater City
Unified School District	Stillwater Area Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$46,142.00
2025		$1,591,300 (-) Land $873,800 Building $717,500	$1,591,300 (-) Land $873,800 Building $717,500
2024		$1,591,300 Land $873,800 Building $717,500	$1,591,300 Land $873,800 Building $717,500
2023	$40,350.00
2022		$1,421,500 Land $873,800 Building $547,700	$1,421,500 Land $873,800 Building $547,700

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

Flood

FEMA maps place 425 Nelson St E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 20, 2022 · 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	5 in force
Nearby Flood Claims	3 (1992–2001)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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 425 Nelson St E 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 94% of the US · lower than 82% 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	Stillwater serves 19,462 people · EPA ID MN1820024
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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