11984 285th St, Lindstrom, MN 55045 Property Records

Chisago County property record for 11984 285th St, Lindstrom, MN 55045

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 3,569 sqft · built 2005
Lot Size	2.92 acres (127,195 sqft)
Owner	Individual Name on Record
Last Sale	$745,000 (May 2024)
Tax Bill	$5,866 (2026)
Deeds & Mortgages	Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-01807-11`

Property Details

APN / Parcel Number

Primary APN	`02-01807-11`
Alternative APNs	`3179658` `3374707` `3458605` `3989676`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,569 sqft Living Area
Gross Area	4,050 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	127,195 sqft (2.92 acres)
Lot Depth	300 ft Depth
Garage Area	2,121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3989676
Street Address	11984 285TH ST
City	LINDSTROM
State	MN
Zip	55045-8085
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	SUBDIVISIONNAME WOODLAWN LOT 002 BLOCK 001 SUBDIVISIONCD 02730
Legal Range	020
Legal Township	033
Legal Section	08
Legal Subdivision	WOODLAWN
Legal Block	1
Legal Lot Number	2
Jurisdiction	CHISAGO MN
Township / Civil Division	CHISAGO LAKE
Census Block Group	3
Census Block	3011
Census Tract	110503

Owner

Source: Chisago County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11984 285TH ST, LINDSTROM, MN 55045-8085
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2024 · Amount on Record
Deed Sale	May 6, 2024 · Amount on Record
Prior Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	20241645569
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	11984 285TH ST, LINDSTROM, MN 55045-8085
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	SUMMIT SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11984 285TH ST, LINDSTROM, MN 55045-8085

Mortgage

Document Number	000A688243
Date	Nov 4, 2025
Instrument	A-688243

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

Source: Chisago County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
County Subdivision	Chisago Lake Township
Unified School District	Chisago Lakes School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,866.00 (-29.7%)
2025	$8,344.00 (+8.36%) Homeowner's exemption
2024		$760,700 (+1.2%)	$760,700 (+1.2%)
2023	$7,700.00 (+2.97%) Homeowner's exemption	$751,700 (+5.55%) Land $102,400 Building $649,300	$751,700 (+5.55%) Land $102,400 Building $649,300
2022	$7,478.00 (+0.73%) Homeowner's exemption	$712,200 (+20.18%) Land $100,800 Building $611,400	$712,200 (+20.18%) Land $100,800 Building $611,400
2021	$7,424.00	$592,600	$592,600 Land $81,300 Building $511,300

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 April 17, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Apr 2020 · 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 78% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20