18494 County 40, Park Rapids, MN 56470 Property Records

Hubbard County property record for 18494 County 40, Park Rapids, MN 56470

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,600 sqft · built 1997
Lot Size	14.6 acres (638,590 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Sep 2020)
Tax Bill	$3,214 (2026)
Deeds & Mortgages	Jul 2019 Refinance Apr 2019 Refinance + 1 more
APN	`16.90.00400`

Property Details

APN / Parcel Number

Primary APN	`16.90.00400`
Alternative APN	`57757`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,600 sqft Living Area
Flooring	Hardwood
Interior Walls	Log
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	638,590 sqft (14.6 acres)
Lot Width	154 ft Width
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	336 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	57757
Street Address	18494 COUNTY 40
City	PARK RAPIDS
State	MN
Zip	56470-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14.66 AC LKE BIG SAND LAKE ACRES LOT 4 BLK 1
Legal Subdivision	BIG SAND LAKE ACRES
Legal Block	1
Legal Lot Number	4
Jurisdiction	HUBBARD MN
Township / Civil Division	LAKE EMMA
Census Block Group	2
Census Block	2026
Census Tract	70200

Owner

18494 County 40 is owned by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3247 OAK RIDGE LOOP E, WEST FARGO, ND 58078-8482
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
Jul 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWOODS BANK OF MN
Apr 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Sep 28, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage CAPITAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on File
Deed Sale	Sep 28, 2020 · Amount on File
Prior Sale	Oct 26, 2006 · Amount on File
Deed Document Number	2020411760
Prior Transfer Date	May 29, 2007
Prior Transfer Doc	0000325283
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18494 COUNTY 40, PARK RAPIDS, MN 56470-5114
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000403718
Date	Jul 11, 2019
Instrument	A000403718

Lender

Name	NORTHWOODS BANK OF MN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18494 COUNTY 40, PARK RAPIDS, MN 56470-5114
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000402320
Date	Apr 17, 2019
Instrument	A000402320

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	37 Months
Due	May 1, 2022

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUBBARD MN
Recording Date	Sep 28, 2020
Property Address	18494 COUNTY 40, PARK RAPIDS, MN 56470-5114
Document Number	A000411760
Instrument Date	Sep 21, 2020
Instrument	A000411760
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	4266 34TH AVE S, FARGO, ND 58104-6973

Mortgage

Document Number	A000411761
Date	Sep 28, 2020
Instrument	A000411761

Lender

Name	CAPITAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18494 County 40 was $3,214.

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	$3,214.00
2025	$3,214.00	$509,300 Land $153,900 Building $355,400	$509,300 Land $153,900 Building $355,400
2022	$2,972.00	$431,700 Land $103,000 Building $328,700	$431,700 Land $103,000 Building $328,700

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 18494 County 40; 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 18494 County 40 is low, with a 0.03% 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	0.03% 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 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

Nearby Properties on County 40

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