16095 Garnet Dr, Park Rapids, MN 56470 Property Records

Hubbard County property record for 16095 Garnet Dr, Park Rapids, MN 56470

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,458 sqft · built 1971
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2018)
Tax Bill	$3,048 (2026)
Deeds & Mortgages	Aug 2022 Refinance Feb 2022 Sale & Mortgage + 1 more
APN	`16.39.90900`

Property Details

APN / Parcel Number

Primary APN	`16.39.90900`
Alternative APN	`100300`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,458 sqft Living Area
Flooring	Terrazzo
Interior Walls	Vinyl Panel/Coating

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Tin
Lot Area	10,454 sqft (0.24 acres)
Lot Width	289 ft Width
Garage Area	1,296 sqft
Driveway	Concrete Driveway
Driveway Area	1,224 sqft
Deck Area	64 sqft
Patio Area	252 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	100300
Street Address	16095 GARNET DR
City	PARK RAPIDS
State	MN
Zip	56470-6281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE IN THE PINES LOT-001 BLOCK-002 .24 AC
Legal Subdivision	VILLAGE IN THE PINES
Legal Block	2
Legal Lot Number	1
Jurisdiction	HUBBARD MN
Township / Civil Division	LAKE EMMA
Census Block Group	2
Census Block	2036
Census Tract	70200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	16095 GARNET DR, PARK RAPIDS, MN 56470-6281
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTAR FEDERAL CREDIT UNION
Feb 15, 2022	Quit Claim Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS
Apr 20, 2018	Warranty Deed, Transfer CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2018 · Amount on Record
Deed Sale	Apr 20, 2018 · Amount on Record
Prior Sale	Oct 28, 2010 · Amount on Record
Deed Document Number	2018396405
Last Transfer Date	Jan 4, 2022
Transfer Doc	0000422310
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	16095 GARNET DR, PARK RAPIDS, MN 56470-6281
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000425796
Date	Aug 22, 2022
Instrument	A000425796

Lender

Name	TRUSTAR FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2027

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUBBARD MN
Recording Date	Feb 15, 2022
Property Address	16095 GARNET DR, PARK RAPIDS, MN 56470-6281
Document Number	A000422310
Instrument Date	Feb 4, 2022
Instrument	A000422310
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16095 GARNET DR, PARK RAPIDS, MN 56470-6281

Mortgage

Document Number	A000422311
Date	Feb 15, 2022
Instrument	A000422311

Lender

Name	LUMINATE HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUBBARD MN
Recording Date	Apr 20, 2018
Property Address	16095 GARNET DR, PARK RAPIDS, MN 56470-6281
Document Number	000000396405
Instrument Date	Apr 13, 2018
Instrument	000000396405
Transaction Type	Transfer
Record Updated	Jan 6, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16095 GARNET DR, PARK RAPIDS, MN 56470-6281

Mortgage

Document Number	A000396406
Date	Apr 20, 2018
Instrument	A000396406

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	57 Months
Due	Jan 1, 2023

Tax Assessment & Valuation

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	$3,048.00 Homeowner's exemption
2025	$3,048.00	$502,700 Land $94,000 Building $408,700	$502,700 Land $94,000 Building $408,700

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 · 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% 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 15 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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