Fillmore County property record for 45128 Laura Ln, Rushford, MN 55971
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,312 sqft · built 2007 |
| Lot Size | 2.71 acres (118,048 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,500 (May 2007) |
| Tax Bill | $6,370 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.0405.000 |
| Primary APN | 05.0405.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,312 sqft Heated Area |
| Gross Area | 3,568 sqft |
| Basement Area | 888 sqft |
| Finished Basement | 888 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 118,048 sqft (2.71 acres) |
| Garage Area | 888 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,156 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 128 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45128 LAURA LN |
|---|---|
| City | RUSHFORD |
| State | MN |
| Zip | 55971-5215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIM VALLEY LOT-003 BLOCK-002 2.71 AC LOT 3 BLOCK 2 SIM VALLEY |
| Legal Subdivision | SIM VALLEY |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | FILLMORE MN |
| Township / Civil Division | RUSHFORD VILLAGE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 960100 |
Source: Fillmore County records, as of August 13, 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 | 45128 LAURA LN, RUSHFORD, MN 55971-5215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · Line of Credit ALTRA FEDERAL CREDIT UNION |
| May 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MERCHANTS BANK NA |
| Apr 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MERCHANTS BANK NA |
| Jun 15, 2018 | Deed of Trust, Mortgage · Line of Credit ALTRA FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2007 · Amount on Record |
| Deed Sale | May 22, 2007 · Amount on Record |
| Deed Document Number | 2007358825 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Recording Date | Jun 10, 2026 |
| Property Address | 45128 LAURA LN, RUSHFORD, MN 55971-5215 |
| Document Number | 0000455087 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026455087 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 45128 LAURA LN, RUSHFORD, MN 55971-5215 |
| Document Number | 0000455087, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 2026455087 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Property Address | 45128 LAURA LN, RUSHFORD, MN 55971-5215 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 432611 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 432611 |
| Name | MERCHANTS BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Property Address | 45128 LAURA LN, RUSHFORD, MN 55971-5215 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 431859 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 431859 |
| Name | MERCHANTS BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FILLMORE MN |
| Property Address | 45128 LAURA LN, RUSHFORD, MN 55971-5215 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2018 |
| Name | Verified Name |
|---|
| Document Number | 000000417794 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 000000417794 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $6,370.00 (+109.95%) Homeowner's exemption | $636,200 (-0.28%) Land $67,100 Building $569,100 | $636,200 (-0.28%) Land $67,100 Building $569,100 |
| 2025 | $638,000 (+44.84%) Land $67,100 Building $570,900 | $638,000 (+44.84%) Land $67,100 Building $570,900 | |
| 2023 | $440,500 Land $47,000 Building $393,500 | $440,500 Land $47,000 Building $393,500 | |
| 2020 | $3,034.00 |
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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