12820 N 3rd Ave, Lindstrom, MN 55045 Property Records

Chisago County property record for 12820 N 3rd Ave, Lindstrom, MN 55045

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1986
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Jan 2013)
Tax Bill	$3,834 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-00500-00`

Property Details

APN / Parcel Number

Primary APN	`15-00500-00`
Alternative APNs	`3173428` `3368113` `3452242` `3983062`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	1,395 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3983062
Street Address	12820 N 3RD AVE
City	LINDSTROM
State	MN
Zip	55045-9360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISIONNAME LANTZ'S ADDITION LOT 001 BLOCK 004 SUBDIVISIONCD 15100
Legal Range	020
Legal Township	034
Legal Section	33
Legal Subdivision	LANTZS ADDITION
Legal Block	4
Legal Lot Number	1
Jurisdiction	CHISAGO MN
Township / Civil Division	LINDSTROM
Census Block Group	3
Census Block	3041
Census Tract	110501

Owner

12820 N 3rd Ave is owned and occupied by an individual who bought it in January 2013.

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

Owner of Record	Individual Name on File
Mailing Address	12820 N 3RD AVE, LINDSTROM, MN 55045-9360
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
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit ROYAL CREDIT UNION
May 6, 2026	Deed of Trust, Mortgage · Line of Credit ROYAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2013 · Amount on File
Deed Sale	Jan 10, 2013 · Amount on File
Deed Document Number	2013786
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Recording Date	Aug 20, 2026
Property Address	12820 N 3RD AVE, LINDSTROM, MN 55045-9360
Document Number	0000695562
Instrument Date	Aug 14, 2026
Instrument	2026695562
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12820 N 3RD AVE, LINDSTROM, MN 55045-9360

Mortgage

Document Number	0000695562,
Date	Aug 20, 2026
Instrument	2026695562

Lender

Name	ROYAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2056

Interest

Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Recording Date	May 6, 2026
Property Address	12820 N 3RD AVE, LINDSTROM, MN 55045-9360
Document Number	0000692670
Instrument Date	Apr 29, 2026
Instrument	2026692670
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12820 N 3RD AVE, LINDSTROM, MN 55045-9360

Mortgage

Document Number	0000692670,
Date	May 6, 2026
Instrument	2026692670

Lender

Name	ROYAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2056

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 12820 N 3rd Ave was $3,834 with a homeowner's exemption, up 8% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
Municipality	Lindstrom City
Unified School District	Chisago Lakes School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,834.00 (+8%)
2025	$3,550.00 Homeowner's exemption
2024		$266,800 (-4.37%)	$287,500 (-0.9%)
2023	$3,388.00 (-0.82%) Homeowner's exemption	$279,000 (+4.73%)	$290,100 (+4.13%) Land $68,000 Building $222,100
2022	$3,416.00 (+12.89%) Homeowner's exemption	$266,400 (+35.43%)	$278,600 (+29.82%) Land $68,000 Building $210,600
2021	$3,026.00	$196,700	$214,600 Land $52,000 Building $162,600

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

Flood

FEMA maps place 12820 N 3rd Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 Policies	2 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	May 2019 · river or lake flooding

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 12820 N 3rd Ave 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	Lindstrom serves 4,938 people · EPA ID MN1130007
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 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. 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	1,250 / 60
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, GigFire.

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