809 16th St N, Virginia, MN 55792 Property Records

St. Louis County property record for 809 16th St N, Virginia, MN 55792

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,155 sqft · built 1916
Lot Size	0.137 acres (5,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Jun 2026)
Tax Bill	$1,330 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-0150-00200`

Property Details

APN / Parcel Number

Primary APN	`090-0150-00200`
Alternative APN	`995767`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,155 sqft Gross Area
1st Floor Area	660 sqft
Basement Area	528 sqft
Finished Basement	528 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,997 sqft (0.137 acres)
Garage Area	480 sqft

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	995767
Street Address	809 16TH ST N
City	VIRGINIA
State	MN
Zip	55792-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 20 AND 21, BLOCK 1 SERIAL #
Legal Subdivision	ROONEYS ADDITION
Legal Block	1
Legal Lot Number	20-21
Jurisdiction	ST LOUIS MN
Township / Civil Division	VIRGINIA
Census Block Group	2
Census Block	2005
Census Tract	13000

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	809 16TH ST N, VIRGINIA, MN 55792-2127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Sep 17, 2015 · Amount on Record
Deed Document Number	20261534847
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 24, 2026
Property Address	809 16TH ST N, VIRGINIA, MN 55792-2127
Document Number	0001534847
Instrument Date	May 29, 2026
Instrument	20261534847
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,662.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	809 16TH ST N, VIRGINIA, MN 55792-2127
Investor	Possibly a Property Investor

Mortgage

Document Number	0001534848,
Date	Jun 24, 2026
Instrument	20261534848

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	809 16TH ST N, VIRGINIA, MN 55792-2127
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001421625
Date	Aug 12, 2021
Instrument	1421625

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Virginia City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,330.00 (+47.45%) Homeowner's exemption
2025	$902.00 (-0.88%) Homeowner's exemption	$122,000 (+15.86%) Land $6,700 Building $115,300	$122,000 (+15.86%) Land $6,700 Building $115,300
2024	$910.00	$105,300 (+45.64%) Land $6,200 Building $99,100	$105,300 (+45.64%) Land $6,200 Building $99,100
2022		$72,300 Land $6,200 Building $66,100	$72,300 Land $6,200 Building $66,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	Virginia serves 8,361 people · EPA ID MN1690046
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) 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. 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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