Olmsted County property record for 4541 Ruby Ln NW, Rochester, MN 55901 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2010 |
| Square Footage | 1,052 sqft Living Area |
| Lot Size | 9,322 sqft (0.214 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $376,000 (2025) |
| Tax Bill | $3,962.00 (2026) |
| Primary APN | 74.29.34.062158 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,052 sqft Living Area |
| 1st Floor | 1,052 sqft 1st Floor |
| Basement Area | 1,052 sqft Basement |
| Finished Basement | 889 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 9,322 sqft (0.214 acres) |
| Depth X Width | 131 ft x 55 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 512 sqft Garage |
| Deck Area | 24 sqft Deck |
| Porch | Open Porch |
| Porch Area | 24 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 4541 RUBY LN NW |
|---|---|
| City | ROCHESTER |
| State | MN |
| Zip | 55901-6562 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SECT-29 TWP-107 RANGE-014 DIAMOND RIDGE 18TH LOT-012 BLOCK-001 LOT 12 BLK 1 |
| Legal Range | 14 |
| Legal Township | 107 |
| Legal Section | 29 |
| Legal Subdivision | DIAMOND RIDGE 18TH |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | OLMSTED MN |
| Minor Civil Division | ROCHESTER |
| Census Blockgroup | 1 |
| Census Block | 1006 |
| Census Tract | 1301 |
Source: Olmsted County records · APN 74.29.34.062158
Assessment roll updated July 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 31, 2006 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Aug 04, 2010 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SOUTHEAST MINNESOTA MORTGAGE LLC |
| May 13, 2008 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SOUTHEAST MINNESOTA MORTGAGE LLC |
| Aug 31, 2006 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SOUTHEAST MINNESOTA MORTGAGE LLC |
| Dec 01, 2025 | Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU |
| Dec 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage MAYO EMPLOYEES FCU |
| Mar 09, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 01, 2025 · Amount on Record |
| Deed Sale | Dec 01, 2025 · Amount on Record |
| Prior Sale | Dec 28, 2022 · Amount on Record |
| Deed Doc Number | 20251635860 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00A1101650 |
|---|---|
| Date | May 31, 2006 |
| Instrument | A-1101650 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | BILLINGS, MT 59107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 05, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Title Company | ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 00A1236613 |
|---|---|
| Date | Aug 04, 2010 |
| Instrument | A-1236613 |
| Name | SOUTHEAST MINNESOTA MORTGAGE LLC |
|---|---|
| Address | NEWARK, NJ 07101 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Oct 01, 2015 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Title Company | ROCHESTER TITLE |
| Name | Verified Name |
|---|
| Document Number | 00A1167212 |
|---|---|
| Date | May 13, 2008 |
| Instrument | A-1167212 |
| Name | SOUTHEAST MINNESOTA MORTGAGE LLC |
|---|---|
| Address | NEWARK, NJ 07101 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Title Company | ROCHESTER TITLE |
| Name | Verified Name |
|---|
| Document Number | 00A1111746 |
|---|---|
| Date | Aug 31, 2006 |
| Instrument | A-1111746 |
| Name | SOUTHEAST MINNESOTA MORTGAGE LLC |
|---|---|
| Address | BALTIMORE, MD 21297 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2036 |
| Rate | 6.62% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLMSTED MN |
| Recording Date | Dec 01, 2025 |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Document Number | 00A1635860 |
| Instrument Date | Nov 21, 2025 |
| Instrument | A-1635860 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Title Company | ROCHESTER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,240.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Document Number | 00A1635861 |
|---|---|
| Date | Dec 01, 2025 |
| Instrument | A-1635861 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLMSTED MN |
| Recording Date | Dec 29, 2022 |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Document Number | 00A1579537 |
| Instrument Date | Dec 28, 2022 |
| Instrument | A-1579537 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ROCHESTER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,072.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Document Number | 00A1579538 |
|---|---|
| Date | Dec 29, 2022 |
| Instrument | A-1579538 |
| Name | MAYO EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLMSTED MN |
| Recording Date | Mar 09, 2018 |
| Property Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Document Number | A1444736 |
| Instrument Date | Feb 16, 2018 |
| Instrument | A-1444736 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2021 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $775.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4541 RUBY LN NW, ROCHESTER, MN 55901-6562 |
| Investor | Possibly a Property Investor |
| Document Number | A1444737 |
|---|---|
| Date | Mar 09, 2018 |
| Instrument | A-1444737 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
Source: Olmsted County records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Olmsted County |
| Municipality | Rochester City |
| Unified School District | Rochester Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,962.00 (+17.36%) Homeowner's exemption | ||
| 2025 | $283,000 (-5.19%) Land $46,800 Building $236,200 | $302,300 (+1.27%) Land $50,000 Building $252,300 | |
| 2024 | $3,376.00 | $298,500 Land $50,000 Building $248,500 | $298,500 Land $50,000 Building $248,500 |
Source: FEMA National Flood Hazard Layer, Olmsted County (27109C), updated June 9, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 2% of the US · above 8% of Minnesota |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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