540 Main Ave S, Harmony, MN 55939 Property Records

Fillmore County property record for 540 Main Ave S, Harmony, MN 55939

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,165 sqft · built 1926
Lot Size	0.177 acres (7,725 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Dec 2025)
Tax Bill	$1,976 (2026)
Deeds & Mortgages	Feb 2006 Mortgage Aug 2009 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15.0046.010`

Property Details

APN / Parcel Number

Primary APN	`15.0046.010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,165 sqft Heated Area
Gross Area	996 sqft
Flooring	Laminate Plank
Interior Walls	Paneling

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	7,725 sqft (0.177 acres)
Lot Dimensions	103 ft deep x 75 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 MAIN AVE S
City	HARMONY
State	MN
Zip	55939-6652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-14 TWP-101 RANGE-010 COM 903' S & 50' E NW COR NW1/4 SW1/4 S75' E103' N75' W103' TO BEG
Legal Range	10
Legal Township	101
Legal Section	14
Jurisdiction	FILLMORE MN
Township / Civil Division	HARMONY
Census Block Group	3
Census Block	3038
Census Tract	960500

Owner

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	540 MAIN AVE S, HARMONY, MN 55939-6652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2006	Deed of Trust, Mortgage · Conventional Mortgage NEW ALBIN SAVINGS BANK
Aug 25, 2009	Deed of Trust, Mortgage · Line of Credit NEW ALBIN SAVINGS BANK
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW MARKET BANK
Mar 27, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST BANK & TRUST
Jun 17, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Mar 23, 2023 · Amount on Record
Deed Document Number	2025453227
Prior Transfer Date	Apr 14, 2005
Prior Transfer Doc	0000351219
Record Updated	Sep 20, 2026

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	540 MAIN AVE S, HARMONY, MN 55939-6652
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000351329
Date	Feb 22, 2006
Instrument	351329

Lender

Name	NEW ALBIN SAVINGS BANK
Address	NEW ALBIN, IA 52160

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 28, 2021

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	540 MAIN AVE S, HARMONY, MN 55939-6652
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000374577
Date	Aug 25, 2009
Instrument	374577

Lender

Name	NEW ALBIN SAVINGS BANK
Address	NEW ALBIN, IA 52160

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Feb 21, 2010

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Dec 31, 2025
Property Address	540 MAIN AVE S, HARMONY, MN 55939-6652
Document Number	0000453227
Instrument Date	Dec 17, 2025
Instrument	453227
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE AND ESCROW C

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 MAIN AVE S, HARMONY, MN 55939-6652

Mortgage

Document Number	0000453228
Date	Dec 31, 2025
Instrument	453228

Lender

Name	NEW MARKET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Mar 27, 2023
Property Address	540 MAIN AVE S, HARMONY, MN 55939-6652
Document Number	0000441876
Instrument Date	Mar 23, 2023
Instrument	441876
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441877
Date	Mar 27, 2023
Instrument	441877

Lender

Name	FIRST BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Jun 17, 2020
Property Address	540 MAIN AVE S, HARMONY, MN 55939-6652
Document Number	0000427206
Instrument Date	Jun 15, 2020
Instrument	427206
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 MAIN AVE S, HARMONY, MN 55939-6652

Mortgage

Document Number	0000427207
Date	Jun 17, 2020
Instrument	427207

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000427208
Date	Jun 17, 2020
Instrument	427208

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2030

Tax Assessment & Valuation

Source: Fillmore County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Fillmore County
Municipality	Harmony City
Unified School District	Fillmore Central (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,976.00 (+13.82%) Homeowner's exemption	$160,100 (-7.67%) Land $16,200 Building $143,900	$160,100 (-7.67%) Land $16,200 Building $143,900
2025	$1,736.00 (+19.72%) Homeowner's exemption	$173,400 (+20.08%) Land $16,200 Building $157,200	$173,400 (+20.08%) Land $16,200 Building $157,200
2023		$144,400 Land $9,400 Building $135,000	$144,400 Land $9,400 Building $135,000
2020	$1,450.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Harmony serves 1,042 people · EPA ID MN1230005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harmony Telephone Company Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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