12091 Hard Pine Dr, Park Rapids, MN 56470 Property Records

Hubbard County property record for 12091 Hard Pine Dr, Park Rapids, MN 56470

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,475 sqft · built 2016
Lot Size	3.81 acres (165,964 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Aug 2023)
Tax Bill	$2,068 (2026)
Deeds & Mortgages	Sep 2022 Refinance Aug 2023 Mortgage
APN	`02.53.01300`

Property Details

APN / Parcel Number

Primary APN	`02.53.01300`
Alternative APNs	`102183` `56695`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,475 sqft Living Area
1st Floor Area	1,680 sqft
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	165,964 sqft (3.81 acres)
Garage Area	1,188 sqft
Driveway	Concrete Driveway
Driveway Area	240 sqft
Parking Spaces	4 Parking Spaces
Patio Area	250 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Account Number	102183
Street Address	12091 HARD PINE DR
City	PARK RAPIDS
State	MN
Zip	56470-4732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING WINDS LOT-013 BLOCK-001 3.81 AC
Legal Subdivision	WHISPERING WINDS
Legal Block	1
Legal Lot Number	13
Jurisdiction	HUBBARD MN
Township / Civil Division	ARAGO
Census Block Group	2
Census Block	2012
Census Tract	70200

Owner

12091 Hard Pine Dr is owned and occupied by two individuals who bought it in August 2023.

Source: Hubbard County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12091 HARD PINE DR, PARK RAPIDS, MN 56470-4732
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
Sep 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DEERWOOD BANK
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUSTAR FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on File
Deed Sale	Aug 4, 2023 · Amount on File
Prior Sale	Dec 22, 2015 · Amount on File
Deed Document Number	2023430898
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	12091 HARD PINE DR, PARK RAPIDS, MN 56470-4732
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000426046
Date	Sep 6, 2022
Instrument	A000426046

Lender

Name	DEERWOOD BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2042

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUBBARD MN
Recording Date	Aug 4, 2023
Property Address	12091 HARD PINE DR, PARK RAPIDS, MN 56470-4732
Document Number	A000430898
Instrument Date	Jul 31, 2023
Instrument	A000430898
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12091 HAROPINE DR, PARK RAPIDS, MN 56470-4732

Mortgage

Document Number	A000430899
Date	Aug 4, 2023
Instrument	A000430899

Lender

Name	TRUSTAR FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 12091 Hard Pine Dr was $2,068 with a homeowner's exemption.

Source: Hubbard County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hubbard County
County Subdivision	Arago Township
Unified School District	Park Rapids Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,068.00 Homeowner's exemption
2025	$2,068.00 Homeowner's exemption	$330,900 (+11.26%) Land $49,500 Building $281,400	$330,900 (+11.26%) Land $49,500 Building $281,400
2024		$297,400 Land $44,600 Building $252,800	$297,400 Land $44,600 Building $252,800
2022	$3,164.00	$242,400 Land $32,900 Building $209,500	$242,400 Land $32,900 Building $209,500

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

Flood

FEMA has no flood map on file for 12091 Hard Pine Dr; there have been 2 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1999–2001)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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 12091 Hard Pine Dr is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 72% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Paul Bunyan Communications Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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