707 Main St NW, Elk River, MN 55330 Property Records

Sherburne County property record for 707 Main St NW, Elk River, MN 55330

Property Summary

Property Type	Commercial
Details	1,102 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on File
Last Sale	$81,400 (Oct 2016)
Tax Bill	$1,908 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`75-405-0535`

Property Details

APN / Parcel Number

Primary APN	`75-405-0535`
Alternative APNs	`75-00405-0535` `33667`

Interior

Building Area	1,102 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Concrete Block
Roof Type	Flat
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	707 MAIN ST NW
City	ELK RIVER
State	MN
Zip	55330-1504
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	N 100 FT OF E 20 FT OF LOT 4, BLK 5
Legal Range	26W
Legal Township	33N
Legal Section	34
Legal Subdivision	VILLAGE (ELK RIVER)
Legal Block	5
Legal Lot Number	4
Jurisdiction	SHERBURNE MN
Township / Civil Division	ELK RIVER
Census Block Group	1
Census Block	1027
Census Tract	30503

Owner

707 Main St NW, a commercial property, is owned by a company that bought it in October 2016.

Source: Sherburne County records, as of April 21, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 166, ELK RIVER, MN 55330-0199
Owner Type	Company
Vesting	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
May 14, 2021	Deed of Trust, Mortgage · Commercial Mortgage RIVERWOOD BANK
Jun 26, 2020	Loan Modification, Mortgage BONANZA VLY ST BK
May 29, 2019	Deed of Trust, Construction Loan · Construction Mortgage BONANZA VLY ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2016 · Amount on File
Deed Sale	Oct 27, 2016 · Amount on File
Prior Sale	Oct 27, 2016
Deed Document Number	2016828885
Prior Transfer Date	Oct 14, 2016
Prior Transfer Doc	0000828883
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	707 MAIN ST NW, ELK RIVER, MN 55330-1504
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	CUSTOM TITLE SERVICES, INC., CUSTOM TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000919276
Date	May 14, 2021
Instrument	919276

Lender

Name	RIVERWOOD BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	72 Months
Due	May 12, 2027

Interest

Rate Type	Fixed Rate

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHERBURNE MN
Property Address	707 MAIN ST NW, ELK RIVER, MN 55330-1504
Document Number	0000895526
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	707 MAIN ST NW ELK RIVER MN 553301504, ELK RIVER, MN 55330-1504

Mortgage

Document Number	0000895526
Date	Jul 9, 2020
Instrument	895526

Lender

Name	BONANZA VLY ST BK
Type	Bank
Address	BROOTEN, MN 56316

Agreement

Term	60 Months
Due	Jul 8, 2025

May 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Recording Date	May 29, 2019
Property Address	707 MAIN ST NW, ELK RIVER, MN 55330-1504
Document Number	0000872551
Instrument Date	May 10, 2019
Instrument	872551
Transaction Type	Construction Loan
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	707 MAIN ST NW ELK RIVER MN 553301504, ELK RIVER, MN 55330-1504

Mortgage

Document Number	0000872551
Date	May 29, 2019
Instrument	872551

Lender

Name	BONANZA VLY ST BK
Type	Bank
Address	BROOTEN, MN 56316

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 28, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 707 Main St NW was $1,908.

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
Municipality	Elk River City
Unified School District	Elk River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,908.00	$101,900 Land $43,600 Building $58,300	$101,900 Land $43,600 Building $58,300
2023	$1,716.00	$97,500 Land $46,800 Building $50,700
2021			$97,500 Land $46,800 Building $50,700

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

Flood

FEMA maps place 707 Main St NW 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 November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2012 · 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.

Wildfire

Wildfire risk around 707 Main St NW 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 98% of the US · lower than 92% 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	Elk River serves 19,532 people · EPA ID MN1710004
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 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 205 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Gateway Fiber.

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