918 3rd Ave SE, Rochester, MN 55904 Property Records

Olmsted County property record for 918 3rd Ave SE, Rochester, MN 55904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,556 sqft · built 1910
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jan 2024)
Tax Bill	$2,720 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`64.01.32.001198`

Property Details

APN / Parcel Number

Primary APN	`64.01.32.001198`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,036 sqft
Basement Area	740 sqft
Unfinished Basement	740 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 20 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	160 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	918 3RD AVE SE
City	ROCHESTER
State	MN
Zip	55904-6460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-01 TWP-106 RANGE-014 AUDITORS PLAT A LOT-079 N49 12FT S148 12FT W132FT LOT 79
Legal Range	14
Legal Township	106
Legal Section	01
Legal Subdivision	AUDITORS PLAT A
Legal Lot Number	79
Jurisdiction	OLMSTED MN
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2022
Census Tract	300

Owner

918 3rd Ave SE is owned and occupied by an individual who bought it in January 2024.

Source: Olmsted County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	918 3RD AVE SE, ROCHESTER, MN 55904-6460
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
Jan 24, 2024	Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME FEDERAL SAVINGS BANK
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit HOME FEDERAL SAVINGS BANK
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit HOME FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2024 · Amount on File
Deed Sale	Jan 24, 2024 · Amount on File
Deed Document Number	20241599476
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	OLMSTED MN
Recording Date	Jan 24, 2024
Property Address	918 3RD AVE SE, ROCHESTER, MN 55904-6460
Document Number	00A1599476
Instrument Date	Jan 22, 2024
Instrument	A-1599476
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 3RD AVE SE, ROCHESTER, MN 55904-6460

Mortgage

Document Number	00A1599477
Date	Jan 24, 2024
Instrument	A-1599477

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	00A1599478
Date	Jan 24, 2024
Instrument	A-1599478

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	918 3RD AVE SE, ROCHESTER, MN 55904-6460
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1574001
Date	Sep 20, 2022
Instrument	A-1574001

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	57 Months
Due	Jun 15, 2027

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	918 3RD AVE SE, ROCHESTER, MN 55904-6460
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1574000
Date	Sep 20, 2022
Instrument	A-1574000

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	176 Months
Due	May 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	918 3RD AVE SE, ROCHESTER, MN 55904-6460
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1567510
Date	Jun 15, 2022
Instrument	A-1567510

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	May 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 918 3rd Ave SE was $2,720 with a homeowner's exemption.

Source: Olmsted County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Olmsted County
Municipality	Rochester City
Unified School District	Rochester Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,720.00 Homeowner's exemption
2025		$191,800 Land $39,500 Building $152,300	$218,600 Land $45,000 Building $173,600
2023	$2,323.00
2022		$196,400 Land $35,000 Building $161,400	$196,400 Land $35,000 Building $161,400

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

Flood

FEMA maps place 918 3rd Ave SE in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	69 (1978–1995)
Claims Outside the SFHA	5 of 69
Most Recent Claim	May 1995 · other causes

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 918 3rd Ave SE 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	Rochester serves 123,624 people · EPA ID MN1550010
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	7 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 734 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Minnesota WiFi Fixed Wireless	150 / 30
Hiawatha Broadband Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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