Fillmore County property record for 45114 Laura Ln, Rushford, MN 55971
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,846 sqft · built 2009 |
| Lot Size | 2.52 acres (109,771 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $555,000 (Aug 2026) |
| Tax Bill | $6,798 (2026) |
| Deeds & Mortgages | Oct 2026 Line of Credit Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.0404.000 |
| Primary APN | 05.0404.000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,846 sqft Heated Area |
| Gross Area | 3,448 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Frame Wood |
| Roof Type | Flat |
| Roof Material | Asphalt |
| Lot Area | 109,771 sqft (2.52 acres) |
| Garage Area | 884 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,408 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45114 LAURA LN |
|---|---|
| City | RUSHFORD |
| State | MN |
| Zip | 55971-5215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIM VALLEY LOT-002 BLOCK-002 2.52 AC LOT 2 BLOCK 2 SIM VALLEY |
| Legal Subdivision | SIM VALLEY |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | FILLMORE MN |
| Township / Civil Division | RUSHFORD VILLAGE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 960100 |
Source: Fillmore County records, as of October 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45114 LAURA LN, RUSHFORD, MN 55971-5215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 7, 2026 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK |
| Aug 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on Record |
| Deed Sale | Aug 18, 2026 · Amount on Record |
| Prior Sale | Sep 2, 2008 · Amount on Record |
| Deed Document Number | 2026455968 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Recording Date | Oct 7, 2026 |
| Property Address | 45114 LAURA LN, RUSHFORD, MN 55971-5215 |
| Document Number | 0000456558 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 2026456558 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45114 LAURA LN, RUSHFORD, MN 55971-5215 |
| Document Number | 0000456558, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 2026456558 |
| Name | MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 7, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FILLMORE MN |
| Recording Date | Aug 18, 2026 |
| Property Address | 45114 LAURA LN, RUSHFORD, MN 55971-5215 |
| Document Number | 0000455968 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 2026455968 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2026 |
| Title Company | TOWN N COUNTRY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184,981.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45114 LAURA LN, RUSHFORD, MN 55971-5215 |
| Document Number | 0000455969, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 2026455969 |
| Name | MERCHANTS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Fillmore County assessment roll, as of August 13, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Fillmore County |
| Municipality | Rushford Village City |
| Unified School District | Rushford-Peterson Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,798.00 (+55.7%) | $667,900 (-1.13%) Land $65,200 Building $602,700 | $667,900 (-1.13%) Land $65,200 Building $602,700 |
| 2025 | $675,500 (+5.63%) Land $65,200 Building $610,300 | $675,500 (+5.63%) Land $65,200 Building $610,300 | |
| 2023 | $639,500 Land $45,600 Building $593,900 | $639,500 Land $45,600 Building $593,900 | |
| 2020 | $4,366.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2019 · 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 |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 4 (2007–2019) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2019 · other causes |
| Claims by Event |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Acentek Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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