18576 Encore Rd, Park Rapids, MN 56470 Property Records

Hubbard County property record for 18576 Encore Rd, Park Rapids, MN 56470

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,901 sqft · built 1998
Lot Size	2.72 acres (118,483 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Mar 2024)
Tax Bill	$952 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Mortgage + 1 more
APN	`13.20.01300`

Property Details

APN / Parcel Number

Primary APN	`13.20.01300`
Alternative APNs	`102971` `19796`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,901 sqft Living Area
Basement Area	946 sqft
Finished Basement	946 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	118,483 sqft (2.72 acres)
Garage Area	1,108 sqft
Driveway	Concrete Driveway
Driveway Area	45 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Deck Area	664 sqft
Shed	1 Shed
Shed Area	384 sqft
Pole Barn	1,440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Account Number	102971
Street Address	18576 ENCORE RD
City	PARK RAPIDS
State	MN
Zip	56470-6226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-140 RANGE-034 2.72 AC 20-7B-1&7C N486 OF W243 O F SW1/4 OF NW1/4
Legal Range	34
Legal Township	140
Legal Section	20
Jurisdiction	HUBBARD MN
Township / Civil Division	HENRIETTA
Census Block Group	2
Census Block	2045
Census Tract	70500

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	18576 ENCORE RD, PARK RAPIDS, MN 56470-6226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 22, 2024	Deed of Trust, Mortgage · Stand-Alone First Mortgage CITIZENS NATIONAL BANK OF PARK RAPIDS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Deed Document Number	2024434258
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Recording Date	Jun 15, 2026
Property Address	18576 ENCORE RD, PARK RAPIDS, MN 56470-6226
Document Number	0000446887
Instrument Date	Jun 3, 2026
Instrument	2026446887
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18576 ENCORE RD, PARK RAPIDS, MN 56470-6226

Mortgage

Document Number	0000446887,
Date	Jun 15, 2026
Instrument	2026446887

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18576 ENCORE RD, PARK RAPIDS, MN 56470-6226
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000442558
Date	Sep 17, 2025
Instrument	A000442558

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARD MN
Property Address	18576 ENCORE RD, PARK RAPIDS, MN 56470-6226
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000434259
Date	Mar 22, 2024
Instrument	A000434259

Lender

Name	CITIZENS NATIONAL BANK OF PARK RAPIDS
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$952.00 Homeowner's exemption
2025	$952.00 (-80.89%) Homeowner's exemption	$422,500 (+1.27%) Land $40,000 Building $382,500	$422,500 (+1.27%) Land $40,000 Building $382,500
2024		$417,200 (+22.78%) Land $36,800 Building $380,400	$417,200 (+22.78%) Land $36,800 Building $380,400
2022	$4,982.00	$339,800 Land $31,500 Building $308,300	$339,800 Land $31,500 Building $308,300

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

FEMA Flood Zone	Not on file

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

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · above 79% of Minnesota
Wildfire Likelihood	0.06% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Paul Bunyan Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Arvig, T-Mobile.

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