647 E 7th St, Albert Lea, MN 56007 Property Records

Freeborn County property record for 647 E 7th St, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,069 sqft · built 1938
Lot Size	0.14 acres (6,000 sqft)
Owner	Company Name on File
Last Sale	$70,000 (Jul 2026)
Tax Bill	$1,354 (2026)
Deeds & Mortgages	Jul 2026 Sale Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34.036.3010`

Property Details

APN / Parcel Number

Primary APN	`34.036.3010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,069 sqft Living Area
1st Floor Area	834 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood
Lot Area	6,000 sqft (0.14 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	280 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	647 E 7TH ST
City	ALBERT LEA
State	MN
Zip	56007-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE ADDITION LOT-017 BLOCK-017 REV DESC NO 2838 PT LOT 17 BLK 17 LAKE ADD CITY OF ALBERT LEA
Legal Subdivision	LAKE ADDITION
Legal Block	17
Legal Lot Number	17
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	3
Census Block	3015
Census Tract	180600

Owner

647 E 7th St is owned by a company that bought it in July 2026 and is owner-occupied.

Source: Freeborn County records, as of October 15, 2026

Owner of Record	Company Name on File
Mailing Address	5612 INTERNATIONAL PKWY, MINNEAPOLIS, MN 55428-3047
Occupancy	Owner Occupied
Owner Type	Company

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
Jul 31, 2026	Deed, Transfer
Mar 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Sep 17, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	Sep 17, 2018 · Amount on File
Deed Document Number	20261913796
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREEBORN MN
Recording Date	Jul 31, 2026
Property Address	647 E 7TH ST, ALBERT LEA, MN 56007-3115
Document Number	0001913796
Instrument Date	Jul 31, 2026
Instrument	20261913796
Transaction Type	Transfer
Record Updated	Oct 2, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	647 E 7TH ST, ALBERT LEA, MN 56007-3115
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A554020
Date	Mar 25, 2022
Instrument	A554020

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	647 E 7TH ST, ALBERT LEA, MN 56007-3115
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A534248
Date	Sep 17, 2018
Instrument	A534248

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREEBORN MN
Recording Date	Sep 17, 2018
Property Address	647 E 7TH ST, ALBERT LEA, MN 56007-3115
Document Number	CRV869316
Instrument Date	Sep 17, 2018
Instrument	CRV869316
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1207 FRANK HALL DR, 1207, ALBERT LEA, MN 56007-3084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 E 7TH ST, ALBERT LEA, MN 56007-3115

Tax Assessment & Valuation

The 2026 property tax bill for 647 E 7th St was $1,354 with a homeowner's exemption.

Source: Freeborn County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Albert Lea City
County	Freeborn County
Unified School District	Albert Lea Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,354.00 Homeowner's exemption	$116,100 Land $19,100 Building $97,000	$116,100 Land $19,100 Building $97,000
2025	$1,354.00
2023	$660.00 Homeowner's exemption	$60,100 Land $13,700 Building $46,400	$60,100 Land $13,700 Building $46,400
2020	$596.00

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

Flood

FEMA maps place 647 E 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 26, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire risk around 647 E 7th St 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 99.1% 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	Albert Lea serves 18,492 people · EPA ID MN1240001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2025) action level 15 ppb
Copper	1.81 mg/L (2021) action level 1.3 mg/L

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
GigFire Fiber · Fixed Wireless	1,000 / 1,000
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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