431 S 7th St, Saint Peter, MN 56082 Property Records

Nicollet County property record for 431 S 7th St, Saint Peter, MN 56082

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,100 sqft · built 1998
Lot Size	0.232 acres (10,115 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Jul 2021)
Tax Bill	$3,252 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19.501.0440`

Property Details

APN / Parcel Number

Primary APN	`19.501.0440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Basement Area	1,100 sqft
Finished Basement	38 sqft
Unfinished Basement	38 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,115 sqft (0.232 acres)
Lot Dimensions	166 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	240 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Deck Area	128 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	431 S 7TH ST
City	SAINT PETER
State	MN
Zip	56082-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 6' LOT 8 &; ALL LOT 9 &; NLY 15' OF LOT 10 BLOCK 24 &; VAC. ALLEY
Legal Range	00
Legal Township	00
Legal Section	00
Legal Subdivision	DALY SMITH S ADD
Legal Block	24
Legal Lot Number	8-10
Jurisdiction	NICOLLET MN
Township / Civil Division	ST. PETER
Census Block Group	1
Census Block	1017
Census Tract	480400

Owner

Source: Nicollet 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	431 S 7TH ST, SAINT PETER, MN 56082-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Deed of Trust, Mortgage · FHA Mortgage SIMPLE TITLE, SIMPLIFILE
Jun 6, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Jul 28, 2021	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC
Jul 31, 2017	Deed, Transfer · VA Mortgage SUMMIT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2021338865
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NICOLLET MN
Recording Date	Oct 13, 2026
Property Address	431 S 7TH ST, SAINT PETER, MN 56082-1325
Document Number	0000359696
Instrument Date	Oct 5, 2026
Instrument	2026359696
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 S 7TH ST, SAINT PETER, MN 56082-1325

Mortgage

Document Number	0000359696,
Date	Oct 13, 2026
Instrument	2026359696

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Aug 1, 2051

Interest

Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NICOLLET MN
Property Address	431 S 7TH ST, SAINT PETER, MN 56082-1325
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000347086
Date	Jun 6, 2023
Instrument	347086

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NICOLLET MN
Recording Date	Jul 28, 2021
Property Address	431 S 7TH ST, SAINT PETER, MN 56082-1325
Document Number	338865
Instrument Date	Jul 15, 2021
Instrument	338865
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	431 S 7TH ST, SAINT PETER, MN 56082-1325

Mortgage

Document Number	338866
Date	Jul 28, 2021
Instrument	338866

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	NICOLLET MN
Recording Date	Jul 31, 2017
Property Address	431 S 7TH ST, SAINT PETER, MN 56082-1325
Document Number	320516
Instrument Date	Jul 6, 2017
Instrument	320516
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$448.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	431 S 7TH ST, SAINT PETER, MN 56082-1325

Mortgage

Document Number	320517
Date	Jul 31, 2017
Instrument	320517

Lender

Name	SUMMIT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Nicollet County assessment roll, as of July 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Nicollet County
Municipality	St. Peter City
Unified School District	St. Peter Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,252.00 Homeowner's exemption	$239,500 (+11.03%) Land $32,600 Building $206,900	$239,500 (+11.03%) Land $32,600 Building $206,900
2025	$3,252.00 (+34.71%)
2023	$2,414.00 Homeowner's exemption	$215,700 Land $32,600 Building $183,100	$215,700 Land $32,600 Building $183,100

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 23, 2023 · 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	2 in force
Nearby Flood Claims	5 (1983–1997)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 1997 · Severe Flooding, High Winds,severe Storms
Claims by Event	Severe Flooding, High Winds,severe Storms, May 1997 · 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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	Saint Peter serves 12,198 people · EPA ID MN1520006
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	1 ppb (2024–2026) 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. 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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
Netwave Broadband Fixed Wireless · Fiber in parts of the area · not low latency	125 / 40
Midco Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber, GigFire, T-Mobile.

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