555 Root River St SW, Chatfield, MN 55923 Property Records

Fillmore County property record for 555 Root River St SW, Chatfield, MN 55923

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,301 sqft · built 1870
Lot Size	0.617 acres (26,880 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Dec 2023)
Tax Bill	$3,096 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2020 Refinance
Flood Zone	Zone AE (high risk)
APN	`26.0440.010`

Property Details

APN / Parcel Number

Primary APN	`26.0440.010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,301 sqft Heated Area
Gross Area	2,047 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	26,880 sqft (0.617 acres)
Lot Dimensions	128 ft deep x 210 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	2,400 sqft
Cabin	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	555 ROOT RIVER ST SW
City	CHATFIELD
State	MN
Zip	55923-3430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST CHATFIELD LOT-2-5 BLOCK-007 E 1/2 OF LOT 2 AND ALL OF LOTS 3-4-5, BLOCK 7, WEST CHATFIELD ADD
Legal Subdivision	WEST CHATFIELD
Legal Block	7
Legal Lot Number	2-5
Jurisdiction	FILLMORE MN
Township / Civil Division	CHATFIELD
Census Block Group	2
Census Block	2063
Census Tract	960200

Owner

555 Root River St SW is owned and occupied by an individual who bought it in December 2023.

Source: Fillmore County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	555 ROOT RIVER ST SW, CHATFIELD, MN 55923-3430
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
Dec 26, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ROOT RIVER STATE BANK
Jul 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2023 · Amount on File
Deed Sale	Dec 22, 2023 · Amount on File
Prior Sale	Dec 20, 2016 · Amount on File
Deed Document Number	20231611556
Prior Transfer Date	May 15, 2015
Prior Transfer Doc	0000403695
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FILLMORE MN
Recording Date	Dec 26, 2023
Property Address	555 ROOT RIVER ST SW, CHATFIELD, MN 55923-3430
Document Number	0000444930
Instrument Date	Dec 20, 2023
Instrument	444930
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Amount	Amount on Record
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
Address	555 ROOT RIVER ST SW, CHATFIELD, MN 55923-3430

Mortgage

Document Number	0000444931
Date	Dec 26, 2023
Instrument	444931

Lender

Name	ROOT RIVER STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	63 Months
Due	Mar 22, 2029

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FILLMORE MN
Property Address	555 ROOT RIVER ST SW, CHATFIELD, MN 55923-3430
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427703
Date	Jul 22, 2020
Instrument	427703

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 555 Root River St SW was $3,096 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Fillmore County
Municipality	Chatfield City
Unified School District	Chatfield Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,096.00 Homeowner's exemption	$252,700 (+10.98%) Land $45,000 Building $207,700	$252,700 (+10.98%) Land $45,000 Building $207,700
2025		$227,700 Land $45,000 Building $182,700	$227,700 Land $45,000 Building $182,700
2023		$185,900 Land $45,000 Building $140,900	$185,900 Land $45,000 Building $140,900
2020	$2,608.00

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

Flood

FEMA maps place 555 Root River St SW in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 15, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2001)
Most Recent Claim	Jul 2001 · river or lake flooding

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 555 Root River St SW is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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