1220 10th Ave SE, Cambridge, MN 55008 Property Records

Isanti County property record for 1220 10th Ave SE, Cambridge, MN 55008

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,180 sqft · built 2000
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Apr 2026)
Tax Bill	$3,966 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15.138.0130`

Property Details

APN / Parcel Number

Primary APN	`15.138.0130`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Building Area	1,180 sqft Heated Area
1st Floor Area	1,088 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2002
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	177 ft deep x 69 ft wide
Garage Area	580 sqft
Driveway	Driveway

Exterior Amenities

Porch	Slab
Deck Area	322 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1220 10TH AVE SE
City	CAMBRIDGE
State	MN
Zip	55008-3735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME NORTH RIDGE 2ND ADDITION LOT 005 BLOCK 002 SUBDIVISIONCD 15138
Legal Range	023
Legal Township	036
Legal Section	33
Legal Subdivision	NORTH RIDGE 2ND ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	ISANTI MN
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2002
Census Tract	130304

Owner

Source: Isanti County assessment roll, as of August 10, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 10TH AVE SE, CAMBRIDGE, MN 55008-3735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Deed Document Number	2026544393
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISANTI MN
Property Address	1220 10TH AVE SE, CAMBRIDGE, MN 55008-3735
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A509984
Date	Oct 26, 2021
Instrument	A509984

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISANTI MN
Recording Date	Apr 22, 2026
Property Address	1220 10TH AVE SE, CAMBRIDGE, MN 55008-3735
Document Number	0000544393
Instrument Date	Apr 17, 2026
Instrument	2026.544393
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$108,322.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1220 10TH AVE SE, CAMBRIDGE, MN 55008-3735

Mortgage

Document Number	0000544394,
Date	Apr 22, 2026
Instrument	2026.544394

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Isanti County assessment roll, as of August 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,966.00 (+16.65%) Homeowner's exemption	$297,400 (-1.1%) Land $50,000 Building $247,400	$297,400 (-1.1%) Land $50,000 Building $247,400
2025		$300,700 (+13.99%) Land $50,000 Building $250,700	$300,700 (+13.99%) Land $50,000 Building $250,700
2023	$3,400.00 (+1.31%) Homeowner's exemption	$263,800 Land $18,000 Building $245,800	$263,800 Land $18,000 Building $245,800
2022	$3,356.00

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 January 25, 2024

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

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	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cambridge serves 9,862 people · EPA ID MN1300002
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	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	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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
East Central Energy Fiber	2,000 / 2,000
Midcontinent Communications Cable	2,000 / 1,000
Uniti Group DSL	200 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: Verizon.

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