18540 County 40, Park Rapids, MN 56470 Property Records

Hubbard County property record for 18540 County 40, Park Rapids, MN 56470

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,094 sqft · built 2006
Lot Size	14.6 acres (636,847 sqft)
Owner	Individual Name on File
Tax Bill	$4,210 (2026)
Deeds & Mortgages	Jul 2022 Refinance Feb 2021 Refinance + 1 more
APN	`16.90.00500`

Property Details

APN / Parcel Number

Primary APN	`16.90.00500`
Alternative APN	`38244`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,094 sqft Living Area
1st Floor Area	2,324 sqft
Flooring	Tile
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	636,847 sqft (14.6 acres)
Lot Width	155 ft Width
Garage Area	1,792 sqft
Driveway	Driveway
Driveway Area	528 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Deck Area	50 sqft
Patio Area	84 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Account Number	38244
Street Address	18540 COUNTY 40
City	PARK RAPIDS
State	MN
Zip	56470-5394
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14.62 AC LKE BIG SAND LAKE ACRES LOT 5 BLK 1
Legal Subdivision	BIG SAND LAKE ACRES
Legal Block	1
Legal Lot Number	5
Jurisdiction	HUBBARD MN
Township / Civil Division	LAKE EMMA
Census Block Group	2
Census Block	2026
Census Tract	70200

Owner

18540 County 40 is owned and occupied by an individual who acquired it in April 2006.

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

Owner of Record	Individual Name on File
Mailing Address	18540 COUNTY 40, PARK RAPIDS, MN 56470-5394
Occupancy	Owner Occupied
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 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTONE FINANCIAL FCU
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWOODS BANK OF MN
Dec 3, 2018	Deed of Trust, Mortgage FIREFLY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 25, 2006
Transfer Doc	0000316226
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18540 COUNTY 40, PARK RAPIDS, MN 56470-5394
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000425095
Date	Jul 14, 2022
Instrument	A000425095

Lender

Name	TRUSTONE FINANCIAL FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2032

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18540 COUNTY 40, PARK RAPIDS, MN 56470-5394
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000414988
Date	Feb 22, 2021
Instrument	A000414988

Lender

Name	NORTHWOODS BANK OF MN

Agreement

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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18540 COUNTY 40, PARK RAPIDS, MN 56470-5394
Transaction Type	Mortgage
Record Updated	Dec 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000400446
Date	Dec 3, 2018
Instrument	A000400446

Lender

Name	FIREFLY FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18540 County 40 was $4,210 with a homeowner's exemption.

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	$4,210.00 Homeowner's exemption
2025	$4,210.00	$671,400 Land $157,600 Building $513,800	$671,400 Land $157,600 Building $513,800
2022	$7,706.00	$577,200 Land $105,600 Building $471,600	$577,200 Land $105,600 Building $471,600

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 18540 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 18540 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 1 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

Nearby Streets

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