445 1st Ave SE, Harmony, MN 55939 Property Records

Fillmore County property record for 445 1st Ave SE, Harmony, MN 55939

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,300 sqft · built 1961
Lot Size	0.206 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jun 2020)
Tax Bill	$4,000 (2026)
Deeds & Mortgages	Sep 2025 Transfer Aug 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15.0400.010`

Property Details

APN / Parcel Number

Primary APN	`15.0400.010`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Heated Area
Gross Area	1,684 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Flat
Roof Material	Asphalt
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	988 sqft
Driveway	Concrete Driveway
Parking Spaces	4 Parking Spaces
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 1ST AVE SE
City	HARMONY
State	MN
Zip	55939-6610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TA TORGERSONS FIRST & SECOND A LOT-4-5 BLOCK-003 LOT 4 & N 1/2 LOT 5 BLK 3 T.A.TORGERSONS 2ND ADDITION
Legal Subdivision	TA TORGERSONS FIRST & SECOND ADDITION
Legal Block	3
Legal Lot Number	4-5
Jurisdiction	FILLMORE MN
Township / Civil Division	HARMONY
Census Block Group	3
Census Block	3067
Census Tract	960500

Owner

445 1st Ave SE is owned and occupied by two individuals who bought it in June 2020.

Source: Fillmore County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	445 1ST AVE SE, HARMONY, MN 55939-6610
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
Sep 16, 2025	Transfer on Death Deed, Transfer LEGAL TITLE, LEGAL & TITLE SERVICES
Aug 5, 2025	Transfer on Death Deed, Transfer LEGAL TITLE, LEGAL & TITLE SERVICES
Jun 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME FEDERAL SAVINGS BANK
Jun 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2020 · Amount on File
Deed Sale	Jun 18, 2020 · Amount on File
Prior Sale	Jul 29, 2013 · Amount on File
Deed Document Number	2020427233
Prior Transfer Date	Nov 26, 2010
Prior Transfer Doc	0000382290
Record Updated	Sep 20, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FILLMORE MN
Recording Date	Sep 16, 2025
Property Address	445 1ST AVE SE, HARMONY, MN 55939-6610
Document Number	0000451979
Instrument Date	Sep 16, 2025
Instrument	451979
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	LEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 1ST AVE SE, HARMONY, MN 55939-6610

August 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FILLMORE MN
Recording Date	Aug 5, 2025
Property Address	445 1ST AVE SE, HARMONY, MN 55939-6610
Document Number	0000451543
Instrument Date	Aug 5, 2025
Instrument	451543
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	LEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 1ST AVE SE, HARMONY, MN 55939-6610

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Jun 18, 2020
Property Address	445 1ST AVE SE, HARMONY, MN 55939-6610
Document Number	427233
Instrument Date	Jun 15, 2020
Instrument	427233
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 1ST AVE SE, HARMONY, MN 55939-6610

Mortgage

Document Number	427236
Date	Jun 18, 2020
Instrument	427236

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Jun 18, 2020
Property Address	445 1ST AVE SE, HARMONY, MN 55939-6610
Document Number	0000427233
Instrument Date	Jun 15, 2020
Instrument	427233
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 1ST AVE SE, HARMONY, MN 55939-6610

Mortgage

Document Number	0000427236
Date	Jun 18, 2020
Instrument	427236

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 445 1st Ave SE was $4,000 with a homeowner's exemption, up 8.1% from the year before.

Source: Fillmore County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Fillmore County
Municipality	Harmony City
Unified School District	Fillmore Central (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,000.00 (+8.11%) Homeowner's exemption	$206,500 (-7.89%) Land $18,900 Building $187,600	$206,500 (-7.89%) Land $18,900 Building $187,600
2025	$3,700.00 Homeowner's exemption	$224,200 Land $18,900 Building $205,300	$224,200 Land $18,900 Building $205,300
2023		$190,800 Land $9,900 Building $180,900	$190,800 Land $9,900 Building $180,900
2020	$1,465.00

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

Flood

FEMA maps place 445 1st Ave SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2019

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

Wildfire risk around 445 1st Ave SE 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	Direct burnable vegetation

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	Harmony serves 1,042 people · EPA ID MN1230005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	5 ppb (2021–2023) 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harmony Telephone Company Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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