4544 20th St SW, Waverly, MN 55390 Property Records

Wright County property record for 4544 20th St SW, Waverly, MN 55390

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1991
Lot Size	7.19 acres (313,196 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,312 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2018 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`211-000-083403`

Property Details

APN / Parcel Number

Primary APN	`211-000-083403`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	313,196 sqft (7.19 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Deck Area	124 sqft
Pole Barn	1,080 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4544 20TH ST SW
City	WAVERLY
State	MN
Zip	55390-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-08 TWP-119 RANGE-026 UNPLATTED LAND MARYSVILLE TWP PRT OF E1/2OF SW1/4DES BEG SE COR TH ALG S LN W309.46FT TO W LN OF E3
Legal Range	026
Legal Township	119
Legal Section	08
Legal Subdivision	MARYSVILLE TWP
Jurisdiction	WRIGHT MN
Township / Civil Division	MARYSVILLE
Census Block Group	3
Census Block	3022
Census Tract	101101

Owner

4544 20th St SW is owned and occupied by two individuals.

Source: Wright County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4544 20TH ST SW, WAVERLY, MN 55390-5004
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
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Aug 21, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Nov 28, 2016	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	4544 20TH ST SW, WAVERLY, MN 55390-5004
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4544 20TH ST SW, WAVERLY, MN 55390-5004

Mortgage

Document Number	00A1585138
Date	Sep 10, 2025
Instrument	A1585138

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 20, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	4544 20TH ST SW, WAVERLY, MN 55390-5004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001377856
Date	Aug 21, 2018
Instrument	1377856

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 20, 2023

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	4544 20TH ST SW, WAVERLY, MN 55390-5004
Document Number	0001336407
Instrument Date	Nov 28, 2016
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	TITLE RECORDING SERVICES, TITLE RECORDING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4544 20TH ST SW WAVERLY MN 553905004, WAVERLY, MN 55390-5004

Mortgage

Document Number	0001336407
Date	Feb 8, 2017
Instrument	1336407

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 7, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 4544 20th St SW was $3,312.

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
County Subdivision	Marysville Township
Unified School District	Howard Lake-Waverly-Winsted (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,312.00	$425,500 (+16.96%) Land $180,800 Building $244,700	$425,500 (+16.96%) Land $180,800 Building $244,700
2025		$363,800 Land $134,000 Building $229,800	$363,800 Land $134,000 Building $229,800
2023	$3,352.00 (-1.53%)	$361,600 Land $144,000 Building $217,600	$361,600 Land $144,000 Building $217,600
2022	$3,404.00

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

Flood

FEMA maps place 4544 20th St SW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · 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
Nearby Flood Policies	2 in force

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 4544 20th St SW is low, with a 0.02% annual chance of wildfire.

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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