681 S Pointe Ct SW, Rochester, MN 55902 Property Records

Olmsted County property record for 681 S Pointe Ct SW, Rochester, MN 55902

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,352 sqft · built 2003
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,432 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54.02.22.065471`

Property Details

APN / Parcel Number

Primary APN	`54.02.22.065471`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Basement Area	1,338 sqft
Finished Basement	1,050 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	15,987 sqft (0.367 acres)
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	681 S POINTE CT SW
City	ROCHESTER
State	MN
Zip	55902-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-105 RANGE-014 SOUTH POINTE 8TH LOT-008 BLOCK-002 LOT 8 BLK 2
Legal Range	14
Legal Township	105
Legal Section	02
Legal Subdivision	SOUTH POINTE 8TH
Legal Block	2
Legal Lot Number	8
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	4
Census Block	4008
Census Tract	2200

Owner

681 S Pointe Ct SW is owned and occupied by two individuals who acquired it in June 2012.

Source: Olmsted County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	681 S POINTE CT SW, ROCHESTER, MN 55902-2550
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
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 26, 2012
Transfer Doc	A1292606
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	681 S POINTE CT SW, ROCHESTER, MN 55902-2550
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1632170
Date	Sep 25, 2025
Instrument	A-1632170

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 2, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	681 S POINTE CT SW, ROCHESTER, MN 55902-2550
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6581 S POINTE SW CT, ROCHESTER, MN 55902

Mortgage

Document Number	00A1577110
Date	Nov 14, 2022
Instrument	A-1577110

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 681 S Pointe Ct SW was $5,432 with a homeowner's exemption, up 5.4% from the year before.

Source: Olmsted County assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,432.00 (+5.43%) Homeowner's exemption
2025	$5,152.00 Homeowner's exemption	$386,300 (+3.15%) Land $48,600 Building $337,700	$397,100 (+6.03%) Land $50,000 Building $347,100
2024		$374,500 Land $40,000 Building $334,500	$374,500 Land $40,000 Building $334,500
2023	$4,435.00
2022		$344,600 Land $40,000 Building $304,600	$344,600 Land $40,000 Building $304,600

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

Flood

FEMA maps place 681 S Pointe Ct SW 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

Wildfire risk around 681 S Pointe Ct SW 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	Direct burnable vegetation

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	Rochester serves 123,624 people · EPA ID MN1550010
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	7 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 111 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 Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Hiawatha Broadband Communications Fixed Wireless	100 / 20

May also be available: Minnesota WiFi, Verizon.

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