431 Summit St NE, Chatfield, MN 55923 Property Records

Olmsted County property record for 431 Summit St NE, Chatfield, MN 55923

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,552 sqft · built 1890
Lot Size	0.438 acres (19,062 sqft)
Owner	Individual Name on Record
Last Sale	$139,000 (Jul 2021)
Tax Bill	$322 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51.31.43.000460`

Property Details

APN / Parcel Number

Primary APN	`51.31.43.000460`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	796 sqft
Basement Area	340 sqft
Unfinished Basement	340 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,062 sqft (0.438 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	428 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	431 SUMMIT ST NE
City	CHATFIELD
State	MN
Zip	55923-1161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-105 RANGE-011 CITY LANDS 105-11-31 E.5A W1.5A S2.5A NW14 SW14 SE14 .50A SEC 31-105-11
Legal Range	11
Legal Township	105
Legal Section	31
Legal Subdivision	CITY LANDS 105-11-31
Jurisdiction	OLMSTED MN
Township / Civil Division	CHATFIELD
Census Block Group	2
Census Block	2024
Census Tract	2000

Owner

Source: Olmsted County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	431 SUMMIT ST NE, CHATFIELD, MN 55923-1161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer · Commercial Mortgage COMMUNITY BANK NA
Dec 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage F & M COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Dec 28, 2011 · Amount on Record
Deed Document Number	20211540681
Prior Transfer Date	Dec 16, 2009
Prior Transfer Doc	A1220295
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Jul 13, 2021
Property Address	431 SUMMIT ST NE, CHATFIELD, MN 55923-1161
Document Number	A1540681
Instrument Date	May 28, 2021
Instrument	A-1540681
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SUMMIT ST NE, CHATFIELD, MN 55923-1161

Mortgage

Document Number	A1540682
Date	Jul 13, 2021
Instrument	A-1540682

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 1, 2031

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	431 SUMMIT ST NE, CHATFIELD, MN 55923-1161
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A1488339
Date	Dec 10, 2019
Instrument	A-1488339

Lender

Name	F & M COMMUNITY BANK NA
Type	Bank
Address	PRESTON, MN 55965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Olmsted County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Olmsted County
Municipality	Chatfield City
Unified School District	Chatfield Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$322.00 (-85.99%) Homeowner's exemption Veteran's exemption
2025	$2,298.00 Homeowner's exemption	$18,900 (-88.38%) Land $3,900 Building $15,000	$168,900 (+3.81%) Land $35,000 Building $133,900
2024		$162,700 Land $35,000 Building $127,700	$162,700 Land $35,000 Building $127,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Chatfield serves 3,005 people · EPA ID MN1230002
Water Source	Groundwater
Last State Inspection	Jul 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable · Fixed Wireless in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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