1126 Summit Way, Sauk Rapids, MN 56379 Property Records

Benton County property record for 1126 Summit Way, Sauk Rapids, MN 56379

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 977 sqft · built 1998
Lot Size	0.214 acres (9,322 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Feb 2022)
Tax Bill	$3,304 (2026)
Deeds & Mortgages	May 2021 Mortgage Apr 2023 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`19.03410.00`

Property Details

APN / Parcel Number

Primary APN	`19.03410.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	977 sqft Living Area
1st Floor Area	977 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	9,322 sqft (0.214 acres)
Garage Area	704 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1126 SUMMIT WAY
City	SAUK RAPIDS
State	MN
Zip	56379-2567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-14 TWP-036 RANGE-031 SUMMIT OAKES PLAT 4 LOT-027 BLOCK-001
Legal Range	031
Legal Township	036
Legal Section	14
Legal Subdivision	SUMMIT OAKES
Legal Block	1
Legal Lot Number	27
Jurisdiction	BENTON MN
Township / Civil Division	SAUK RAPIDS
Census Block Group	1
Census Block	1003
Census Tract	21104

Owner

1126 Summit Way is owned and occupied by two individuals who bought it in February 2022.

Source: Benton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8011 PINNACLE CT NE, ELK RIVER, MN 55330-4647
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
May 20, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 5, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 26, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jan 10, 2014	Deed of Trust, Mortgage ST CLOUD FEDERAL CREDIT UNION
Nov 13, 2006	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Feb 18, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MOVEMENT MORTGAGE
Nov 13, 2006	Deed of Trust, Mortgage · Conventional Mortgage BURNET HOME LOANS
Jan 10, 2014	Deed of Trust, Mortgage ST CLOUD FEDERAL CREDIT UNION
Feb 18, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MOVEMENT MORTGAGE
Feb 18, 2022	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Nov 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2022 · Amount on File
Deed Sale	Feb 18, 2022 · Amount on File
Prior Sale	Nov 8, 2017 · Amount on File
Deed Document Number	2022458885
Prior Transfer Date	Oct 20, 2017
Prior Transfer Doc	426129
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000452494
Date	May 20, 2021
Instrument	452494

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	319 Months
Due	Dec 1, 2047

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567

Mortgage

Document Number	0000465660
Date	Apr 5, 2023
Instrument	465660

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	Mar 1, 2052

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567

Mortgage

Document Number	0000468916
Date	Oct 26, 2023
Instrument	468916

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Mar 1, 2052

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401539
Date	Jan 10, 2014
Instrument	401539

Lender

Name	ST CLOUD FEDERAL CREDIT UNION
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 8, 2019

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001343548
Date	Nov 13, 2006
Instrument	1343548

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 6, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000458887
Date	Feb 18, 2022
Instrument	458887

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001343547
Date	Nov 13, 2006
Instrument	1343547

Lender

Name	BURNET HOME LOANS
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2036

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401540
Date	Jan 10, 2014
Instrument	401540

Lender

Name	ST CLOUD FEDERAL CREDIT UNION
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Term	60 Months
Due	Jan 8, 2019

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Transaction Type	Mortgage
Record Updated	Mar 7, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000458887
Date	Feb 18, 2022
Instrument	458887

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 18, 2022
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Document Number	0000458885
Instrument Date	Feb 15, 2022
Instrument	458885
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567

Mortgage

Document Number	0000458886
Date	Feb 18, 2022
Instrument	458886

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Nov 8, 2017
Property Address	1126 SUMMIT WAY, SAUK RAPIDS, MN 56379-2567
Document Number	426129
Instrument Date	Oct 20, 2017
Instrument	426129
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 1126 Summit Way was $3,304 with a homeowner's exemption, up 1.8% from the year before.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
Municipality	Sauk Rapids City
Unified School District	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,304.00 (+1.85%) Homeowner's exemption	$276,900 (+3.98%) Land $33,700 Building $243,200	$276,900 (+3.98%) Land $33,700 Building $243,200
2025	$3,244.00 Homeowner's exemption	$266,300 Land $30,700 Building $235,600	$266,300 Land $30,700 Building $235,600
2023	$2,806.00	$254,300 Land $30,700 Building $223,600	$254,300 Land $30,700 Building $223,600

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

Flood

FEMA maps place 1126 Summit Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · 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 Policies	2 in force

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 1126 Summit Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	Sauk Rapids serves 13,835 people · EPA ID MN1050004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 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	2 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Benton Cooperative Telephone Company.

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