12944 E Arrow Lake Rd, Audubon, MN 56511 Property Records

Becker County property record for 12944 E Arrow Lake Rd, Audubon, MN 56511

Property Summary

Property Type	Single Family Home
Details	1 ba · 900 sqft · built 1995
Lot Size	0.55 acres (23,968 sqft)
Owner	2 Individual Names on File
Last Sale	$294,500 (Feb 2026)
Tax Bill	$1,050 (2026)
Deeds & Mortgages	Jan 2021 Refinance Aug 2021 Refinance + 3 more
APN	`17.0627.000`

Property Details

APN / Parcel Number

Primary APN	`17.0627.000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,968 sqft (0.55 acres)
Deck Area	72 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	12944 E ARROW LAKE RD
City	AUDUBON
State	MN
Zip	56511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	SEC 19 TWN 138 RNG 042 BLUE WATER BAY BLOCK 003 LOT 6
Legal Range	042
Legal Township	138
Legal Section	19
Legal Subdivision	BLUE WATER BAY
Legal Block	3
Legal Lot Number	6
Jurisdiction	BECKER MN
Township / Civil Division	LAKE EUNICE
Census Block Group	2
Census Block	2018
Census Tract	450900

Owner

12944 E Arrow Lake Rd is owned and occupied by two individuals who bought it in February 2026.

Source: Becker County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12944 E ARROW LAKE RD, AUDUBON, MN 56511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GATE CITY BANK
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GATE CITY BANK
Feb 24, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage KODABANK
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GATE CITY BANK
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2026 · Amount on File
Deed Sale	Feb 24, 2026 · Amount on File
Prior Sale	Mar 12, 2013 · Amount on File
Deed Document Number	2026718135
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKER MN
Property Address	12944 E ARROW LAKE RD, AUDUBON, MN 56511
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000676056
Date	Jan 15, 2021
Instrument	676056

Lender

Name	GATE CITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKER MN
Property Address	12944 E ARROW LAKE RD, AUDUBON, MN 56511
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000682446
Date	Aug 17, 2021
Instrument	682446

Lender

Name	GATE CITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BECKER MN
Recording Date	Feb 24, 2026
Property Address	12944 E ARROW LAKE RD, AUDUBON, MN 56511
Document Number	0000718135
Instrument Date	Feb 23, 2026
Instrument	718135
Transaction Type	Transfer
Record Updated	Mar 24, 2026

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	12944 E ARROW LAKE RD, AUDUBON, MN 56511

Mortgage

Document Number	0000718126
Date	Feb 24, 2026
Instrument	718126

Lender

Name	KODABANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 23, 2031

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKER MN
Property Address	12944 E ARROW LAKE RD, AUDUBON, MN 56511
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	682446
Date	Aug 17, 2021
Instrument	682446

Lender

Name	GATE CITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKER MN
Property Address	12944 E ARROW LAKE RD, AUDUBON, MN 56511
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	676056
Date	Jan 15, 2021
Instrument	676056

Lender

Name	GATE CITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 12944 E Arrow Lake Rd was $1,050, down 0.2% from the year before.

Source: Becker County assessment roll, as of August 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Becker County
County Subdivision	Lake Eunice Township
Unified School District	Lake Park Audubon School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,050.00 (-0.19%)	$191,900 (+1.37%) Land $57,900 Building $134,000	$191,900 (+1.37%) Land $57,900 Building $134,000
2025	$1,052.00	$189,300 Land $58,200 Building $131,100	$189,300 Land $58,200 Building $131,100
2023	$1,116.00	$165,300 Land $58,200 Building $107,100	$165,300 Land $58,200 Building $107,100

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 12944 E Arrow Lake Rd; there have been 17 flood claims nearby since 1997.

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	17 (1997–2014)
Claims Outside the SFHA	17 of 17
Most Recent Claim	Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 12944 E Arrow Lake Rd 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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.02% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

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