Freeborn County property record for 524 Grace St, Albert Lea, MN 56007
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,204 sqft · built 1900 |
| Lot Size | 0.22 acres (9,608 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Sep 2018) |
| Tax Bill | $5,326 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34.127.0080 |
| Primary APN | 34.127.0080 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 3 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,204 sqft Living Area |
| 1st Floor Area | 1,476 sqft |
| Basement Area | 1,452 sqft |
| Unfinished Basement | 1,452 sqft |
| Flooring | Parquet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,608 sqft (0.22 acres) |
| Deck Area | 1,256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Street Address | 524 GRACE ST |
|---|---|
| City | ALBERT LEA |
| State | MN |
| Zip | 56007-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | SKINNER & THOMPSON'S SUBDIVISI LOT-005 LOT 5 EXC COM 74.96 FT N OF SE COR SD LOT 5 TH W 223.86 FT TH NW 10.87 FT TH E 223.19 |
| Legal Subdivision | SKINNER & THOMPSON'S SUBDIVISI |
| Legal Lot Number | 5 |
| Jurisdiction | FREEBORN MN |
| Township / Civil Division | ALBERT LEA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 180400 |
524 Grace St is owned and occupied by an individual who bought it in September 2018.
Source: Freeborn County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 524 GRACE ST, ALBERT LEA, MN 56007-2414 |
| 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.
| Date | Document |
|---|---|
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK |
| Sep 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK HARTLAND |
| Sep 21, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2018 · Amount on File |
| Deed Sale | Sep 21, 2018 · Amount on File |
| Deed Document Number | 2018V871727 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREEBORN MN |
| Property Address | 524 GRACE ST, ALBERT LEA, MN 56007-2414 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | T116396 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | T116396 |
| Name | MERCHANTS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREEBORN MN |
| Property Address | 524 GRACE ST, ALBERT LEA, MN 56007-2414 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | T115660 |
|---|---|
| Date | Sep 24, 2018 |
| Instrument | T115660 |
| Name | FARMERS STATE BANK HARTLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FREEBORN MN |
| Recording Date | Sep 21, 2018 |
| Property Address | 524 GRACE ST, ALBERT LEA, MN 56007-2414 |
| Document Number | CRV871727 |
| Instrument Date | Sep 21, 2018 |
| Instrument | CRV871727 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 909 LUTHER PL APT 121, 909, ALBERT LEA, MN 56007-1507 |
| Name | Verified Name |
|---|---|
| Address | 524 GRACE ST, ALBERT LEA, MN 56007-2414 |
The 2026 property tax bill for 524 Grace St was $5,326 with a homeowner's exemption.
Source: Freeborn County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Albert Lea City |
| County | Freeborn County |
| Unified School District | Albert Lea Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,326.00 Homeowner's exemption | $381,600 Land $96,100 Building $285,500 | $381,600 Land $96,100 Building $285,500 |
| 2025 | $5,326.00 | ||
| 2023 | $4,816.00 Homeowner's exemption | $352,900 Land $96,100 Building $256,800 | $352,900 Land $96,100 Building $256,800 |
| 2020 | $4,520.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Grace St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 26, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Most Recent Claim | Dec 2017 |
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.
The area around 524 Grace St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Albert Lea serves 18,492 people · EPA ID MN1240001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Copper | 1.81 mg/L (2021) action level 1.3 mg/L |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| GigFire Fiber · Fixed Wireless | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Midco Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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