610 12th St S, Virginia, MN 55792 Property Records

St. Louis County property record for 610 12th St S, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,716 sqft · built 1909
Lot Size	0.114 acres (4,999 sqft)
Owner	Individual Name on Record
Tax Bill	$1,732 (2026)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-0160-00690`

Property Details

APN / Parcel Number

Primary APN	`090-0160-00690`
Alternative APN	`33098`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,716 sqft Gross Area
1st Floor Area	1,272 sqft
Basement Area	318 sqft
Finished Basement	318 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Metal
Construction Type	Frame
Lot Area	4,999 sqft (0.114 acres)
Garage Area	280 sqft
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	33098
Street Address	610 12TH ST S
City	VIRGINIA
State	MN
Zip	55792-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0005 BLOCK:005 SERIAL #
Legal Subdivision	VIRGINIA RAINY LAKE COS ADD TO
Legal Block	5
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	2
Census Block	2008
Census Tract	13200

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	610 12TH ST S, VIRGINIA, MN 55792-3140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 21, 2022
Transfer Doc	0001438184
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	610 12TH ST S, VIRGINIA, MN 55792-3140
Transaction Type	Mortgage
Record Updated	Sep 19, 2022
Title Company	RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 12TH ST S, VIRGINIA, MN 55792-3140

Mortgage

Document Number	0001449276
Date	Aug 9, 2022
Instrument	1449276

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Jun 23, 2042

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,732.00 (+27.17%) Homeowner's exemption
2025	$1,362.00 (-14.55%) Homeowner's exemption	$148,900 (+17.71%) Land $5,800 Building $143,100	$148,900 (+17.71%) Land $5,800 Building $143,100
2024	$1,594.00	$126,500 (+27.26%) Land $4,800 Building $121,700	$126,500 (+27.26%) Land $4,800 Building $121,700
2022		$99,400 Land $4,900 Building $94,500	$99,400 Land $4,900 Building $94,500

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 March 24, 2025

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20