45 4th St NW, Harmony, MN 55939 Property Records

Fillmore County property record for 45 4th St NW, Harmony, MN 55939

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 869 sqft · built 1900
Lot Size	0.8 acres (34,960 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Mar 2019)
Tax Bill	$2,880 (2026)
Deeds & Mortgages	May 2022 Refinance Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15.0089.000`

Property Details

APN / Parcel Number

Primary APN	`15.0089.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	869 sqft Heated Area
Gross Area	762 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Exterior Material	Wood Shingle
Roof Type	Flat
Roof Material	Asphalt
Lot Area	34,960 sqft (0.8 acres)
Lot Dimensions	152 ft deep x 138 ft wide
Garage Area	1,248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 4TH ST NW
City	HARMONY
State	MN
Zip	55939-6699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-15 TWP-101 RANGE-010 HARMONY OUTLOTS LOT-010 W 138' OF N 230'OL 10;NE 1/4 NE 1/4
Legal Range	10
Legal Township	101
Legal Section	15
Legal Subdivision	HARMONY OUTLOTS
Legal Lot Number	10
Jurisdiction	FILLMORE MN
Township / Civil Division	HARMONY
Census Block Group	3
Census Block	3007
Census Tract	960500

Owner

45 4th St NW is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 24, HARMONY, MN 55939-0024
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
May 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HOME FEDERAL SAVINGS BANK
Mar 15, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CUSB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2019 · Amount on File
Deed Sale	Mar 15, 2019 · Amount on File
Deed Document Number	2019421029
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	45 4TH ST NW, HARMONY, MN 55939-6699
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000438205
Date	May 17, 2022
Instrument	438205

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Mar 15, 2019
Property Address	45 4TH ST NW, HARMONY, MN 55939-6699
Document Number	421029
Instrument Date	Mar 8, 2019
Instrument	421029
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount 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	PO BOX 24, HARMONY, MN 55939-0024

Mortgage

Document Number	421030
Date	Mar 15, 2019
Instrument	421030

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000421029
Date	Mar 15, 2019
Instrument	421029

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	85 Months
Due	Apr 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 45 4th St NW was $2,880 with a homeowner's exemption.

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	$2,880.00 Homeowner's exemption	$108,000 (-4.17%) Land $50,000 Building $58,000	$108,000 (-4.17%) Land $50,000 Building $58,000
2025		$112,700 Land $50,000 Building $62,700	$112,700 Land $50,000 Building $62,700
2023		$74,100 Land $22,700 Building $51,400	$74,100 Land $22,700 Building $51,400
2020	$936.00

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

Flood

FEMA maps place 45 4th St NW 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 45 4th 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 96% of the US · lower than 86% 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	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 64 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.

Nearby Properties on 4th St NW

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