438 Swift St, Saint Peter, MN 56082 Property Records

Nicollet County property record for 438 Swift St, Saint Peter, MN 56082

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,188 sqft · built 1998
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on File
Last Sale	$221,000 (Jul 2025)
Tax Bill	$3,234 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19.451.0030`

Property Details

APN / Parcel Number

Primary APN	`19.451.0030`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Basement Area	1,188 sqft
Finished Basement	1,069 sqft
Unfinished Basement	119 sqft
Flooring	Carpet
Interior Walls	Cement Board
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	896 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces
Deck Area	96 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	438 SWIFT ST
City	SAINT PETER
State	MN
Zip	56082-1988
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 1 LOT 2 3 EX W 16 OF BOTH SUBDIVISIONCD 19451 SUBDIVISIONNAME BERGEMANN SUBD
Legal Range	00
Legal Township	00
Legal Section	00
Legal Subdivision	BERGEMANN SUBD
Legal Block	1
Legal Lot Number	2-3
Jurisdiction	NICOLLET MN
Township / Civil Division	ST. PETER
Census Block Group	3
Census Block	3052
Census Tract	480300

Owner

438 Swift St is owned and occupied by an individual who bought it in July 2025.

Source: Nicollet County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	438 SWIFT ST, SAINT PETER, MN 56082-1988
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2025	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Sep 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Mar 27, 2019	Deed of Trust, Transfer · VA Mortgage CARRINGTON MORTGAGE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2025 · Amount on File
Deed Sale	Jul 30, 2025 · Amount on File
Prior Sale	Jul 18, 2025 · Amount on File
Deed Document Number	2025354720
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NICOLLET MN
Recording Date	Jul 30, 2025
Property Address	438 SWIFT ST, SAINT PETER, MN 56082-1988
Document Number	0000354720
Instrument Date	Jul 14, 2025
Instrument	354720
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	NEAR NORTH TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$729.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SWIFT ST, SAINT PETER, MN 56082-1988

Mortgage

Document Number	0000354721
Date	Jul 30, 2025
Instrument	354721

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Mortgage

Document Number	0000354722
Date	Jul 30, 2025
Instrument	354722

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NICOLLET MN
Recording Date	Sep 1, 2021
Property Address	438 SWIFT ST, SAINT PETER, MN 56082-1988
Document Number	339381
Instrument Date	Aug 26, 2021
Instrument	339381
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
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	438 SWIFT ST, SAINT PETER, MN 56082-1988
Investor	Possibly a Property Investor

Mortgage

Document Number	339382
Date	Sep 1, 2021
Instrument	339382

Lender

Name	CROSSCOUNTRY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NICOLLET MN
Property Address	438 SWIFT ST, SAINT PETER, MN 56082-1988
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	322605
Date	Feb 7, 2018
Instrument	322605

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 20, 2033

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	NICOLLET MN
Recording Date	Mar 27, 2019
Property Address	438 SWIFT ST, SAINT PETER, MN 56082-1988
Document Number	327100
Instrument Date	Mar 22, 2019
Instrument	327100
Transaction Type	Transfer
Record Updated	Oct 9, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SWIFT ST, SAINT PETER, MN 56082-1988

Mortgage

Document Number	327101
Date	Mar 27, 2019
Instrument	327101

Lender

Name	CARRINGTON MORTGAGE SVCS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 438 Swift St was $3,234 with a homeowner's exemption.

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	$3,234.00 Homeowner's exemption	$229,800 (-0.04%) Land $37,500 Building $192,300	$229,800 (-0.04%) Land $37,500 Building $192,300
2025	$3,234.00 (+5.69%) Homeowner's exemption	$229,900 Land $37,500 Building $192,400	$229,900 Land $37,500 Building $192,400
2024	$3,060.00 (+26.03%)
2023	$2,428.00 Homeowner's exemption	$215,900 Land $37,500 Building $178,400	$215,900 Land $37,500 Building $178,400

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

Flood

FEMA maps place 438 Swift St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

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	3 (1993–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2019 · Severe Winter Storm, Straight-line Winds, And Flooding

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 438 Swift St is low, with 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 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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
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: GigFire, Metronet, Verizon.

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