16020 Garnet Dr, Park Rapids, MN 56470 Property Records

Hubbard County property record for 16020 Garnet Dr, Park Rapids, MN 56470

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,563 sqft · built 1970
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on File
Last Sale	$327,769 (Jun 2011)
Tax Bill	$5,564 (2026)
Deeds & Mortgages	Aug 2020 Refinance Nov 2012 Mortgage + 1 more
APN	`16.48.01000`

Property Details

APN / Parcel Number

Primary APN	`16.48.01000`
Alternative APN	`54936`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Living Area
1st Floor Area	1,793 sqft
Flooring	Hardwood
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,253 sqft (0.97 acres)
Lot Width	183 ft Width
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	144 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	54936
Street Address	16020 GARNET DR
City	PARK RAPIDS
State	MN
Zip	56470-6281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.97 AC LKE BUENA VISTA BEACH LOTS 11 & 12 BLK 2 & VAC'D 3RD STREET
Legal Subdivision	BUENA VISTA BEACH
Legal Block	2
Legal Lot Number	11-12
Jurisdiction	HUBBARD MN
Township / Civil Division	LAKE EMMA
Census Block Group	2
Census Block	2021
Census Tract	70200

Owner

16020 Garnet Dr is owned by two individuals who bought it in June 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1940 E ROSE CREEK PKWY S, FARGO, ND 58104-6837
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 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BENCHMARK MORTGAGE
Nov 7, 2012	Deed of Trust, Mortgage · ARM US BANK NA
Jun 6, 2011	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2011 · Amount on File
Deed Sale	Jun 6, 2011 · Amount on File
Deed Document Number	2011352749
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	16020 GARNET DR, PARK RAPIDS, MN 56470-6281
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000410556
Date	Aug 5, 2020
Instrument	A000410556

Lender

Name	BENCHMARK MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	16020 GARNET DR, PARK RAPIDS, MN 56470-6281
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000362231
Date	Nov 7, 2012
Instrument	A000362231

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Nov 1, 2019
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

June 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUBBARD MN
Recording Date	Jun 6, 2011
Property Address	16020 GARNET DR, PARK RAPIDS, MN 56470-6281
Document Number	A000352749
Instrument Date	Jun 3, 2011
Instrument	A000352749
Transaction Type	Transfer
Record Updated	May 15, 2026

Transaction

Amount	Amount on Record
Tax	$1,081.64
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8 E GOLDEN EAGLE RD, SANTA FE, NM 87506-8224
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 16020 Garnet Dr was $5,564.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,564.00
2025	$5,564.00	$869,800 Land $382,500 Building $487,300	$869,800 Land $382,500 Building $487,300
2022	$4,590.00	$662,700 Land $257,000 Building $405,700	$662,700 Land $257,000 Building $405,700

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 16020 Garnet 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 16020 Garnet Dr is moderate, ranking above 45% of the US, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 75% of Minnesota
Wildfire Likelihood	0.03% 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 9 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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