810 Water St, Albert Lea, MN 56007 Property Records

Freeborn County property record for 810 Water St, Albert Lea, MN 56007

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,224 sqft · built 1912
Lot Size	0.12 acres (5,400 sqft)
Owner	Company Name on File
Last Sale	$67,500 (Feb 2024)
Tax Bill	$962 (2026)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34.007.4440`

Property Details

APN / Parcel Number

Primary APN	`34.007.4440`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Conventional
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	5,400 sqft (0.12 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	216 sqft
Porch	Slab
Porch Area	176 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	810 WATER ST
City	ALBERT LEA
State	MN
Zip	56007-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORIN'S ADDITION THAT PART LOT 13 BLK 18 DESC AS FOLS COM ON N LINE WATER ST EXT SD ST BEING 45 FT E OF SW COR LOT 13 BLK 18
Legal Subdivision	MORIN'S ADDITION
Legal Block	18
Legal Lot Number	13
Jurisdiction	FREEBORN MN
Township / Civil Division	ALBERT LEA
Census Block Group	2
Census Block	2005
Census Tract	180800

Owner

810 Water St is owned by a company that bought it in February 2024.

Source: Freeborn County records, as of September 23, 2026

Owner of Record	Company Name on File
Mailing Address	505 CRESCENT CIR, ALBERT LEA, MN 56007-1400
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2024 · Amount on File
Deed Sale	Feb 14, 2024 · Amount on File
Deed Document Number	20241623739
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEBORN MN
Property Address	810 WATER ST, ALBERT LEA, MN 56007-1712
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A541626
Date	Feb 25, 2020
Instrument	A541626

Lender

Name	FARMERS STATE BANK HARTLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 810 Water St was $962.

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	$962.00	$59,100 (-) Land $18,600 Building $40,500	$59,100 (-) Land $18,600 Building $40,500
2025	$962.00 Homeowner's exemption	$59,100 Land $18,600 Building $40,500	$59,100 Land $18,600 Building $40,500
2023	$64.00 Homeowner's exemption Veteran's exemption	$74,200 Land $9,200 Building $65,000	$74,200 Land $9,200 Building $65,000
2020	$53.00

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

Flood

FEMA maps place 810 Water St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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	2 (2001)
Most Recent Claim	Jun 2001 · Severe Winter Storms, Flooding, And Tornadoes
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, Jun 2001 · 2 claims

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 810 Water St 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	None beyond 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 402 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
Verizon Fixed Wireless	300 / 20
Midco Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20