45 2nd Ave NE, Elgin, MN 55932 Property Records

Wabasha County property record for 45 2nd Ave NE, Elgin, MN 55932

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 938 sqft · built 1933
Lot Size	0.164 acres (7,144 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Apr 2026)
Tax Bill	$1,943 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Jun 2005 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R19.00032.00`

Property Details

APN / Parcel Number

Primary APN	`R19.00032.00`
Alternative APN	`19.00032.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	938 sqft Living Area
Flooring	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	624 sqft
Porch	Enclosed Porch
Porch Area	105 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 2ND AVE NE
City	ELGIN
State	MN
Zip	55932-2616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-108 RANGE-012 TOWN OF ELGIN (ELGIN CITY) N 60 OF E 120 OF LOT 1 BLK 3 (WWW)
Legal Range	12
Legal Township	108
Legal Section	27
Legal Subdivision	TOWN OF ELGIN (ELGIN CITY)
Legal Block	3
Legal Lot Number	1
Jurisdiction	WABASHA MN
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3053
Census Tract	490500

Owner

45 2nd Ave NE is owned and occupied by two individuals who bought it in April 2026.

Source: Wabasha County records, as of August 19, 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	2 Individual Names on File
Mailing Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA
Jun 2, 2005	Deed of Trust, Mortgage · Line of Credit EASTWOOD BANK
May 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage EASTWOOD BANK
Jul 9, 2025	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
May 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage EASTWOOD BANK
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage ALTRA FEDERAL CREDIT UNION
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage ALTRA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on File
Deed Sale	Apr 16, 2026 · Amount on File
Deed Document Number	2026362863
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000351138
Date	Dec 1, 2022
Instrument	351138

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001271328
Date	Jun 2, 2005
Instrument	1271328

Lender

Name	EASTWOOD BANK
Address	EYOTA, MN 55934

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	May 15, 2010

Interest

Rate	7.37%

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000306575
Date	May 8, 2012
Instrument	306575

Lender

Name	EASTWOOD BANK
Address	ROCHESTER, MN 55904

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2027

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 2ND AVE NE, ELGIN, MN 55932-2616

Mortgage

Document Number	0000360009
Date	Jul 9, 2025
Instrument	360009

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WABASHA MN
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A306575
Date	May 8, 2012
Instrument	A306575

Lender

Name	EASTWOOD BANK
Type	Bank
Address	ROCHESTER, MN 55904

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2027

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WABASHA MN
Recording Date	Apr 16, 2026
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Document Number	0000362863
Instrument Date	Apr 1, 2026
Instrument	2026.362863
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,325.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 2ND AVE NE, ELGIN, MN 55932-2616

Mortgage

Document Number	0000362863,
Date	Apr 16, 2026
Instrument	2026.362863

Lender

Name	ALTRA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WABASHA MN
Recording Date	Apr 16, 2026
Property Address	45 2ND AVE NE, ELGIN, MN 55932-2616
Document Number	000A362863
Instrument Date	Apr 1, 2026
Instrument	2026362863
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,325.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 2ND AVE NE, ELGIN, MN 55932-2616

Mortgage

Document Number	0000362863,
Date	Apr 16, 2026
Instrument	2026362863

Lender

Name	ALTRA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 45 2nd Ave NE was $1,943, up 8.2% from the year before.

Source: Wabasha County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wabasha County
Municipality	Elgin City
Unified School District	Plainview-Elgin-Millville (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,943.00 (+8.25%)	$167,500 (-3.01%) Land $24,000 Building $143,500	$167,500 (-3.01%) Land $24,000 Building $143,500
2025	$1,795.00 Homeowner's exemption	$172,700 Land $24,000 Building $148,700	$172,700 Land $24,000 Building $148,700
2023	$1,994.00 Homeowner's exemption	$159,800 Land $24,000 Building $135,800	$159,800 Land $24,000 Building $135,800

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

Flood

FEMA maps place 45 2nd Ave NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2011 · 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 45 2nd Ave NE 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 94% of the US · lower than 82% 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	Elgin serves 1,115 people · EPA ID MN1790001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 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 188 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
Midco Cable	1,250 / 60
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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