4312 2nd St NW, Rochester, MN 55901 Property Records

Olmsted County property record for 4312 2nd St NW, Rochester, MN 55901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 968 sqft · built 1983
Lot Size	0.216 acres (9,409 sqft)
Owner	Trust Name on File
Tax Bill	$3,604 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`74.32.43.012634`

Property Details

APN / Parcel Number

Primary APN	`74.32.43.012634`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	968 sqft Living Area
1st Floor Area	968 sqft
Basement Area	528 sqft
Finished Basement	502 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2010
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,409 sqft (0.216 acres)
Lot Dimensions	117 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4312 2ND ST NW
City	ROCHESTER
State	MN
Zip	55901-8421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-32 TWP-107 RANGE-014 MANOR WOODS 4TH-TORRENS LOT-015 BLOCK-004 LOT 15 BLK 4
Legal Range	14
Legal Township	107
Legal Section	32
Legal Subdivision	MANOR WOODS 4TH-TORRENS
Legal Block	4
Legal Lot Number	15
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1002
Census Tract	1302

Owner

4312 2nd St NW is owner-occupied and held in a trust since May 2006.

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

Owner of Record	Trust Name on File
Mailing Address	5808 FAIRWAY DR NW, ROCHESTER, MN 55901-4153
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 22, 2006
Transfer Doc	T114588
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	4312 2ND ST NW, ROCHESTER, MN 55901-8421
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5808 FAIRWAY DR NW, ROCHESTER, MN 55901-4153

Mortgage

Document Number	000T156061
Date	Nov 9, 2021
Instrument	T-156061

Lender

Name	MINNWEST BANK
Type	Bank
Address	ROCHESTER, MN 55902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Oct 27, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4312 2nd St NW was $3,604 with a homeowner's exemption, up 1.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,604.00 (+1.87%) Homeowner's exemption
2025	$3,538.00 Homeowner's exemption	$252,700 (-6.79%) Land $46,000 Building $206,700	$274,600 (+1.29%) Land $50,000 Building $224,600
2024		$271,100 Land $50,000 Building $221,100	$271,100 Land $50,000 Building $221,100

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

Flood

FEMA maps place 4312 2nd St NW in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2019 · rainfall accumulation

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 4312 2nd St NW 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 98% of the US · lower than 92% 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	Rochester serves 123,624 people · EPA ID MN1550010
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	7 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	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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Hiawatha Broadband Communications Fixed Wireless	100 / 20

May also be available: CenturyLink, Minnesota WiFi.

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