707 W Front St, Albert Lea, MN 56007 Property Records

Freeborn County property record for 707 W Front St, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,352 sqft · built 1914
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Tax Bill	$1,546 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34.064.0030`

Property Details

APN / Parcel Number

Primary APN	`34.064.0030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	795 sqft
Basement Area	795 sqft
Unfinished Basement	795 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Porch	Porch
Porch Area	290 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	707 W FRONT ST
City	ALBERT LEA
State	MN
Zip	56007-2763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELMONT ADDITION LOT-004 BLOCK-001 LOT 4 BLK 1 BELMONT ADDITION
Legal Subdivision	BELMONT ADDITION
Legal Block	1
Legal Lot Number	4
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	1
Census Block	1006
Census Tract	180900

Owner

707 W Front St is owned and occupied by an individual.

Source: Freeborn County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	707 W FRONT ST, ALBERT LEA, MN 56007-2763
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
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME TOWN BANK
Feb 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	707 W FRONT ST, ALBERT LEA, MN 56007-2763
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A544821
Date	Oct 13, 2020
Instrument	A544821

Lender

Name	HOME TOWN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	707 W FRONT ST, ALBERT LEA, MN 56007-2763
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A536529
Date	Feb 27, 2019
Instrument	A536529

Lender

Name	CITIZENS COMMUNITY BANK
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2034

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	707 W FRONT ST, ALBERT LEA, MN 56007-2763
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A526619
Date	Apr 3, 2017
Instrument	A526619

Lender

Name	WELLS FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 707 W Front St was $1,546 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	$1,546.00 Homeowner's exemption	$107,900 Land $6,200 Building $101,700	$107,900 Land $6,200 Building $101,700
2025	$1,546.00
2023	$986.00 Homeowner's exemption	$89,400 Land $6,200 Building $83,200	$89,400 Land $6,200 Building $83,200
2020	$772.00

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

Flood

FEMA maps place 707 W Front St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective January 26, 2015 · 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 Claims	1 (1980)
Most Recent Claim	May 1980 · 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

The area around 707 W Front St 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.

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
GigFire Fiber · Fixed Wireless	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Midco Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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