640 3rd St SE, Cokato, MN 55321 Property Records

Wright County property record for 640 3rd St SE, Cokato, MN 55321

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,189 sqft · built 2019
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jun 2026)
Tax Bill	$3,358 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-500-341416`

Property Details

APN / Parcel Number

Primary APN	`105-500-341416`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,189 sqft Living Area
Basement Area	962 sqft
Finished Basement	962 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,110 sqft (0.278 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	640 3RD ST SE
City	COKATO
State	MN
Zip	55321-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-34 TWP-119 RANGE-028 UNPLATTED LAND COKATO THAT PART OF THE SOUTHEAST QUARTER OF THE NORTHEAST QUARTER OF SECTION 34, TO
Legal Range	028
Legal Township	119
Legal Section	34
Legal Subdivision	UNPLATTED LAND COKATO
Jurisdiction	WRIGHT MN
Township / Civil Division	COKATO
Census Block Group	2
Census Block	2022
Census Tract	101300

Owner

Source: Wright County records, as of July 20, 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	640 3RD ST SE, COKATO, MN 55321-4202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CTR
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 28, 2020	Quit Claim Deed, Transfer TITLE MARK
May 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	20261605050
Prior Transfer Date	Jul 9, 2020
Prior Transfer Doc	0001434942
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 15, 2026
Property Address	640 3RD ST SE, COKATO, MN 55321-4202
Document Number	0001605050
Instrument Date	Jun 12, 2026
Instrument	20261605050
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$111,655.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	640 3RD ST SE, COKATO, MN 55321-4202
Investor	Possibly a Property Investor

Mortgage

Document Number	0001605051,
Date	Jun 15, 2026
Instrument	20261605051

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 28, 2020
Property Address	640 3RD ST SE, COKATO, MN 55321-4202
Document Number	0001434943
Instrument Date	Jul 9, 2020
Instrument	1434943
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	TITLE MARK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$714.12
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	640 3RD ST SE, COKATO, MN 55321-4202

Mortgage

Document Number	0001434944
Date	Jul 28, 2020
Instrument	1434944

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 28, 2020
Property Address	640 3RD ST SE, COKATO, MN 55321-4202
Document Number	0001434942
Instrument Date	Jul 9, 2020
Instrument	1434942
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 544 COKATO MN 553210544, COKATO, MN 55321-0544

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WRIGHT MN
Recording Date	May 24, 2018
Property Address	640 3RD ST SE, COKATO, MN 55321-4202
Document Number	0001370845
Instrument Date	Jan 10, 2018
Instrument	1370845
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$16.50
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1411 160TH ST NW SHAKOPEE MN 553798952, SHAKOPEE, MN 55379-8952

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cokato City
County	Wright County
Unified School District	Dassel-Cokato Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,358.00 (+10.24%)	$272,900 (+4.24%) Land $42,500 Building $230,400	$272,900 (+4.24%) Land $42,500 Building $230,400
2025		$261,800 (+7.3%) Land $43,300 Building $218,500	$261,800 (+7.3%) Land $43,300 Building $218,500
2023	$3,046.00 (+3.18%)	$244,000 Land $33,100 Building $210,900	$244,000 Land $33,100 Building $210,900
2022	$2,952.00

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 April 19, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	Cokato serves 2,792 people · EPA ID MN1860006
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	1 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nuvera Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xtratyme Technologies.

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