14020 Reflection Pt NE, Bemidji, MN 56601 Property Records

Beltrami County property record for 14020 Reflection Pt NE, Bemidji, MN 56601

Property Summary

Property Type	Single Family Home
Details	1,256 sqft · built 2015
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,969 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2021 Line of Credit + 1 more
APN	`48.00879.00`

Property Details

APN / Parcel Number

Primary APN	`48.00879.00`

Interior

Building Area	1,256 sqft Living Area
Gross Area	1,726 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Wood
Lot Area	49,223 sqft (1.13 acres)
Garage Area	2,136 sqft
Porch	Slab
Porch Area	194 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Well

Location & Zoning

Street Address	14020 REFLECTION PT NE
City	BEMIDJI
State	MN
Zip	56601-6684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT- 1 TWP-147 RANGE- 32 SUNSET BAY ESTATES LOT- 1 BLOCK- 2
Legal Range	32
Legal Township	147
Legal Section	01
Legal Subdivision	SUNSET BAY ESTATES
Legal Block	2
Legal Lot Number	1
Jurisdiction	BELTRAMI MN
Township / Civil Division	TURTLE RIVER
Census Block Group	3
Census Block	3008
Census Tract	450300

Owner

14020 Reflection Pt NE is owner-occupied and held in a trust since January 2019.

Source: Beltrami County records, as of October 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	14020 REFLECTION PT NE, BEMIDJI, MN 56601-6684
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jan 19, 2021	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF BEMIDJI
Feb 11, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 17, 2019
Transfer Doc	0000578398
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELTRAMI MN
Recording Date	Jun 22, 2026
Property Address	14020 REFLECTION PT NE, BEMIDJI, MN 56601-6684
Document Number	0000636961
Instrument Date	May 7, 2026
Instrument	2026636961
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	14020 REFLECTION PT NE, BEMIDJI, MN 56601-6684

Mortgage

Document Number	0000636961,
Date	Jun 22, 2026
Instrument	2026636961

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	May 1, 2029

Interest

Rate	6.37%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELTRAMI MN
Property Address	14020 REFLECTION PT NE, BEMIDJI, MN 56601-6684
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000595620
Date	Jan 19, 2021
Instrument	A000595620

Lender

Name	THE FIRST NATIONAL BANK OF BEMIDJI
Type	Bank
Address	BEMIDJI, MN 56619

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Dec 9, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELTRAMI MN
Recording Date	Feb 11, 2019
Property Address	14020 REFLECTION PT NE, BEMIDJI, MN 56601-6684
Document Number	A000578398
Instrument Date	Jan 17, 2019
Instrument	A000578398
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14020 REFLECTION PT NE, BEMIDJI, MN 56601-6684

Tax Assessment & Valuation

The 2026 property tax bill for 14020 Reflection Pt NE was $4,969, down 4.8% from the year before.

Source: Beltrami County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Beltrami County
County Subdivision	Turtle River Township
Unified School District	Bemidji Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,969.00 (-4.75%)	$557,000 (-) Land $31,300 Building $525,700	$557,000 (-) Land $31,300 Building $525,700
2025	$5,217.00 Homeowner's exemption	$557,000 Land $31,300 Building $525,700	$557,000 Land $31,300 Building $525,700
2023	$4,192.00	$532,500 (+21.35%) Land $26,800 Building $505,700	$532,500 (+21.35%) Land $26,800 Building $505,700
2022		$438,800 Land $26,800 Building $412,000	$438,800 Land $26,800 Building $412,000
2021	$3,714.00

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 14020 Reflection Pt NE.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 14020 Reflection Pt NE 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% 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 17 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 and 4G LTE (outdoors only)

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