Blue Earth County property record for 428 Owl Ln, Eagle Lake, MN 56024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,166 sqft · built 2005 |
| Lot Size | 0.184 acres (8,015 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Apr 2012) |
| Tax Bill | $5,578 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R12.09.13.402.021 |
| Primary APN | R12.09.13.402.021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,166 sqft Living Area |
| Basement Area | 825 sqft |
| Finished Basement | 825 sqft |
| Unfinished Basement | 416 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Contemporary |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 8,015 sqft (0.184 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 832 sqft |
| Driveway | Driveway |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 428 OWL LN |
|---|---|
| City | EAGLE LAKE |
| State | MN |
| Zip | 56024-4499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLE RIDGE FIRST ADD 030 002 00 |
| Legal Range | 26 |
| Legal Township | 108 |
| Legal Section | 13 |
| Legal Subdivision | EAGLE RIDGE FIRST ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 30 |
| Jurisdiction | BLUE EARTH MN |
| Township / Civil Division | EAGLE LAKE |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 170200 |
428 Owl Ln is owned and occupied by an individual who bought it in April 2012.
Source: Blue Earth County records, as of May 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 OWL LN, EAGLE LAKE, MN 56024-4499 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MINNESOTA VALLEY FCU |
| Sep 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MINNESOTA VALLEY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2012 · Amount on File |
| Deed Sale | Apr 2, 2012 · Amount on File |
| Deed Document Number | 201235624 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLUE EARTH MN |
| Property Address | 428 OWL LN, EAGLE LAKE, MN 56024-4499 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 591CR605 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 591CR605 |
| Name | MINNESOTA VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 6, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLUE EARTH MN |
| Property Address | 428 OWL LN, EAGLE LAKE, MN 56024-4499 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 574CR234 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 574CR234 |
| Name | MINNESOTA VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 15, 2039 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 428 Owl Ln was $5,578.
Source: Blue Earth County assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Blue Earth County |
| Municipality | Eagle Lake City |
| Unified School District | Mankato Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,578.00 | $459,400 (-0.28%) Land $31,900 Building $427,500 | $459,400 (-0.28%) Land $31,900 Building $427,500 |
| 2025 | $460,700 (+6.69%) Land $31,900 Building $428,800 | $460,700 (+6.69%) Land $31,900 Building $428,800 | |
| 2024 | $4,912.00 (+18.08%) Homeowner's exemption | $431,800 (-4.62%) Land $31,900 Building $399,900 | $431,800 (-4.62%) Land $31,900 Building $399,900 |
| 2023 | $4,160.00 Homeowner's exemption | $452,700 Land $31,900 Building $420,800 | $452,700 Land $31,900 Building $420,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Owl Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective March 11, 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 | 4 (1978–2001) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
| 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 428 Owl Ln 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 97% of the US · lower than 89% 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 | Eagle Lake serves 3,268 people · EPA ID MN1070002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2021–2023) 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 404 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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