6434 River Mill Dr, Monticello, MN 55362 Property Records

Wright County property record for 6434 River Mill Dr, Monticello, MN 55362

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,112 sqft · built 1997
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Nov 2019)
Tax Bill	$3,402 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`155-086-007050`

Property Details

APN / Parcel Number

Primary APN	`155-086-007050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	1,112 sqft
Basement Area	828 sqft
Finished Basement	828 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2001
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	30 sqft
Deck Area	238 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6434 RIVER MILL DR
City	MONTICELLO
State	MN
Zip	55362-3607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-18 TWP-121 RANGE-024 RIVER MILL LOT-005 BLOCK-007
Legal Range	024
Legal Township	121
Legal Section	18
Legal Subdivision	RIVER MILL
Legal Block	7
Legal Lot Number	5
Jurisdiction	WRIGHT MN
Township / Civil Division	MONTICELLO
Census Block Group	2
Census Block	2010
Census Tract	100205

Owner

6434 River Mill Dr is owned and occupied by two individuals who bought it in November 2019.

Source: Wright County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6434 RIVER MILL DR, MONTICELLO, MN 55362-3607
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
Feb 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 6, 2019	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 2, 2018	Loan Modification, Mortgage · Conventional Mortgage MERCHANTS BK/AL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Apr 6, 1998 · Amount on File
Deed Document Number	20191410234
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	6434 RIVER MILL DR, MONTICELLO, MN 55362-3607
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1498087
Date	Feb 4, 2022
Instrument	A1498087

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 6, 2019
Property Address	6434 RIVER MILL DR, MONTICELLO, MN 55362-3607
Document Number	0001410234
Instrument Date	Oct 22, 2019
Instrument	1410234
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.20
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6434 RIVER MILL DR, MONTICELLO, MN 55362-3607

Mortgage

Document Number	0001410235
Date	Nov 6, 2019
Instrument	1410235

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WRIGHT MN
Property Address	6434 RIVER MILL DR, MONTICELLO, MN 55362-3607
Document Number	0001368247
Instrument Date	Jan 2, 2018
Transaction Type	Mortgage
Record Updated	May 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6434 RIVER MILL DR MONTICELLO MN 553623607, MONTICELLO, MN 55362-3607

Mortgage

Document Number	0001368247
Date	Apr 19, 2018
Instrument	1368247

Lender

Name	MERCHANTS BK/AL
Type	Bank
Address	102 E 3RD ST, WINONA, MN 55987-3416

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 18, 2058

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 6434 River Mill Dr was $3,402.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,402.00	$315,200 (-2.11%) Land $80,000 Building $235,200	$315,200 (-2.11%) Land $80,000 Building $235,200
2025		$322,000 Land $90,000 Building $232,000	$322,000 Land $90,000 Building $232,000
2023	$3,012.00 (+12.47%)	$314,200 Land $85,000 Building $229,200	$314,200 Land $85,000 Building $229,200
2022	$2,678.00

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

Flood

FEMA maps place 6434 River Mill Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 6434 River Mill Dr 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 99.8% of the US · lower than 99.4% 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	Monticello serves 15,087 people · EPA ID MN1860012
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2023–2025) 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000
Fibernet Monticello Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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