Wabasha County property record for 685 1st St SE, Elgin, MN 55932
| Property Type | Multi-Family Dwellings |
|---|---|
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (Jun 2026) |
| Tax Bill | $646 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | R19.00485.00 |
| Primary APN | R19.00485.00 |
|---|---|
| Alternative APN |
|
| Architectural Style | Multi-Family |
|---|
| Street Address | 685 1ST ST SE |
|---|---|
| City | ELGIN |
| State | MN |
| Zip | 55932-2804 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | SECT-27 TWP-108 RANGE-012 WHITEWATER MEADOWS SECOND LOT-005 BLOCK-001 0.70 ACRES (WWW) |
| Legal Range | 12 |
| Legal Township | 108 |
| Legal Section | 27 |
| Legal Subdivision | WHITEWATER MEADOWS SECOND |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | WABASHA MN |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 490500 |
685 1st St SE, a residential property, is owned by two individuals who bought it in June 2026.
Source: Wabasha County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4071 MALLARD PL SE, ROCHESTER, MN 55904-7816 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on File |
| Deed Sale | Jun 11, 2026 · Amount on File |
| Deed Document Number | 2026363427 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WABASHA MN |
| Recording Date | Jun 11, 2026 |
| Property Address | 685 1ST ST SE, ELGIN, MN 55932-2804 |
| Document Number | 0000363427 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 2026363427 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ROCHESTER TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $19,998.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4071 MALLARD PL SE, ROCHESTER, MN 55904-7816 |
| Investor | Possibly a Property Investor |
| Document Number | 0000363428, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 2026363428 |
| Name | FIRST SECURITY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 9, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.3% |
| Initial Type | Balloon |
| Max Rate | -1% |
The 2026 property tax bill for 685 1st St SE was $646, up 5.9% from the year before.
Source: Wabasha County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wabasha County |
| Municipality | Elgin City |
| Unified School District | Plainview-Elgin-Millville (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $646.00 (+5.9%) | $50,000 (-) Land $50,000 | $50,000 (-) Land $50,000 |
| 2025 | $610.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
| 2023 | $540.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 1st St SE in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2011 · rainfall accumulation |
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.
The area around 685 1st St SE has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Elgin serves 1,115 people · EPA ID MN1790001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hiawatha Broadband Communications Fiber | 5,000 / 5,000 |
| GigFire Fixed Wireless | 150 / 130 |
5G and 4G LTE (outdoors only)
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