Olmsted County property record for 609 James St NE, Chatfield, MN 55923
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 1,344 sqft · built 1992 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,686 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jun 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51.31.13.000200 |
| Primary APN | 51.31.13.000200 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,344 sqft |
| Finished Basement | 1,141 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 135 ft deep x 113 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 54 sqft |
|---|---|
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 609 JAMES ST NE |
|---|---|
| City | CHATFIELD |
| State | MN |
| Zip | 55923-1705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-31 TWP-105 RANGE-011 MEYERS 2ND SUB LOT-005 BLOCK-003 LOT 5 BLK 3 |
| Legal Range | 11 |
| Legal Township | 105 |
| Legal Section | 31 |
| Legal Subdivision | MEYERS 2ND SUB |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | OLMSTED MN |
| Township / Civil Division | CHATFIELD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 2000 |
609 James St NE is owned and occupied by two individuals.
Source: Olmsted County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| 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 |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Line of Credit ALTRA FEDERAL CREDIT UNION |
| Jun 4, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK |
| Jan 24, 2023 | Deed of Trust, Mortgage · Line of Credit F & M COMMUNITY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Recording Date | Jul 23, 2026 |
| Property Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| Document Number | 0001649330 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 20261649330 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| Document Number | 0001649330, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 20261649330 |
| Name | ALTRA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 23, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Recording Date | Jun 4, 2026 |
| Property Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| Document Number | 0001646002 |
| Instrument Date | May 22, 2026 |
| Instrument | 20261646002 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| Document Number | 0001646002, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 20261646002 |
| Name | COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 22, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLMSTED MN |
| Property Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 609 JAMES ST NE, CHATFIELD, MN 55923-1705 |
| Document Number | 00A1580606 |
|---|---|
| Date | Jan 24, 2023 |
| Instrument | A-1580606 |
| Name | F & M COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Address | PRESTON, MN 55965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 13, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 609 James St NE was $4,686 with a homeowner's exemption.
Source: Olmsted County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Olmsted County |
| Municipality | Chatfield City |
| Unified School District | Chatfield Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,686.00 Homeowner's exemption | ||
| 2025 | $273,800 Land $41,900 Building $231,900 | $293,900 Land $45,000 Building $248,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 James St NE in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| 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 risk around 609 James St NE is low, with less than 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 95% of the US · lower than 84% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Chatfield serves 3,005 people · EPA ID MN1230002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 149 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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