81405 320th St, Olivia, MN 56277 Property Records

Renville County property record for 81405 320th St, Olivia, MN 56277

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1979
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Jun 2020)
Tax Bill	$1,770 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Apr 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-02256-00`

Property Details

APN / Parcel Number

Primary APN	`24-02256-00`

Interior

Building Area	960 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	92 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	120 sqft
Quonset Hut	448 sqft

Location & Zoning

Street Address	81405 320TH ST
City	OLIVIA
State	MN
Zip	56277-2585
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 A TR IN SE4
Legal Range	35
Legal Township	115
Legal Section	15
Legal Subdivision	BARNAALS SUBDIVISION
Jurisdiction	RENVILLE MN
Township / Civil Division	TROY
Census Block Group	1
Census Block	1052
Census Tract	790500

Owner

81405 320th St is owned and occupied by two individuals who bought it in June 2020.

Source: Renville County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	81405 320TH ST, OLIVIA, MN 56277-2585
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
Apr 16, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIVE POINTS BANK OF HASTINGS
Apr 12, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIVE POINTS BANK OF HASTINGS
Jun 5, 2020	Warranty Deed, Transfer
Apr 17, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2020 · Amount on File
Deed Sale	Jun 5, 2020 · Amount on File
Prior Sale	Apr 17, 2017 · Amount on File
Deed Document Number	2020392046
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENVILLE MN
Property Address	81405 320TH ST, OLIVIA, MN 56277-2585
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81405 320TH ST, OLIVIA, MN 56277-2585

Mortgage

Document Number	000A406525
Date	Apr 16, 2024
Instrument	A406525

Lender

Name	FIVE POINTS BANK OF HASTINGS
Type	Bank
Address	REDWOOD FALLS, MN 56283

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 15, 2034

Interest

Rate Type	Adjustable Rate
Rate	8.6%
Type Change Date	Apr 15, 2029
Change Frequency	3 Years
Min Rate At Change	4.75%
Max Rate At Change	14.6%
Index	Other
Margin	4
Max Rate	18%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENVILLE MN
Property Address	81405 320TH ST, OLIVIA, MN 56277-2585
Transaction Type	Mortgage
Record Updated	Apr 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81405 320TH ST, OLIVIA, MN 56277-2585

Mortgage

Document Number	000A406472
Date	Apr 12, 2024
Instrument	A406472

Lender

Name	FIVE POINTS BANK OF HASTINGS
Type	Bank
Address	REDWOOD FALLS, MN 56283

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 15, 2034

Interest

Rate Type	Adjustable Rate
Rate	8.6%
Change Frequency	3 Years
Min Rate At Change	4.75%
Max Rate At Change	14.6%
Index	3-Year TN
Margin	4
Max Rate	18%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENVILLE MN
Recording Date	Jun 5, 2020
Property Address	81405 320TH ST, OLIVIA, MN 56277-2585
Document Number	A392046
Instrument Date	May 29, 2020
Instrument	A392046
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Tax	$676.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	81405 320TH ST, OLIVIA, MN 56277-2585

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENVILLE MN
Recording Date	Apr 17, 2017
Property Address	81405 320TH ST, OLIVIA, MN 56277-2585
Document Number	A381827
Instrument Date	Apr 14, 2017
Instrument	A381827
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.45
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	81405 320TH ST, OLIVIA, MN 56277-2585

Mortgage

Document Number	A381828
Date	Apr 17, 2017
Instrument	A381828

Lender

Name	STEARNS LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 81405 320th St was $1,770.

Source: Renville County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Renville County
County Subdivision	Troy Township
Unified School District	Bird Island-Olivia-Lake Lillian Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,770.00	$239,400 (+0.59%) Land $65,800 Building $173,600	$239,400 (+0.59%) Land $65,800 Building $173,600
2025		$238,000 Land $65,800 Building $172,200	$238,000 Land $65,800 Building $172,200
2023	$1,346.00	$218,200 Land $65,800 Building $152,400	$218,200 Land $65,800 Building $152,400

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

Flood

FEMA maps place 81405 320th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009

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

Wildfire risk around 81405 320th 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
CenturyLink DSL	60 / 5
LightBeam Internet Fixed Wireless	50 / 10
AT&T Fixed Wireless	25 / 3

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