Kanabec County property record for 20188 Ann River Dr, Mora, MN 55051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,230 sqft · built 1970 |
| Lot Size | 0.675 acres (29,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Jan 2026) |
| Tax Bill | $4,230 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2010 Mortgage + 5 more |
| APN | 02-04130-00 |
| Primary APN | 02-04130-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,230 sqft Adjusted Area |
| 1st Floor Area | 1,230 sqft |
| Basement Area | 1,107 sqft |
| Finished Basement | 1,107 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 29,400 sqft (0.675 acres) |
| Lot Dimensions | 147 ft deep x 192 ft wide |
| View / Lot | Waterfront / Beach |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Account Number | 1047 |
|---|---|
| Street Address | 20188 ANN RIVER DR |
| City | MORA |
| State | MN |
| Zip | 55051-7450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 20 & 21 |
| Legal Range | 24 |
| Legal Township | 39 |
| Legal Section | 26 |
| Legal Subdivision | STRANDLUNDS ANN RIVER ESTATES |
| Legal Lot Number | 20,21 |
| Jurisdiction | KANABEC MN |
| Township / Civil Division | ARTHUR |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 480400 |
Source: Kanabec County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAKE AREA MORTGAGE |
| Sep 20, 2010 | Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC |
| Apr 18, 2013 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Jan 13, 2026 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Sep 24, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Dec 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE |
| Apr 7, 2011 | Affidavit of Death of Joint Tenant, Transfer · Line of Credit GREATER MINNESOTA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2026 · Amount on Record |
| Deed Sale | Jan 13, 2026 · Amount on Record |
| Prior Sale | Dec 31, 2019 · Amount on Record |
| Deed Document Number | 2026290175 |
| Prior Transfer Date | Apr 1, 2011 |
| Prior Transfer Doc | 0000239110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANABEC MN |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000273094 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 273094 |
| Name | LAKE AREA MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANABEC MN |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000237271 |
|---|---|
| Date | Sep 20, 2010 |
| Instrument | 237271 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANABEC MN |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000246249 |
|---|---|
| Date | Apr 18, 2013 |
| Instrument | 246249 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANABEC MN |
| Recording Date | Jan 13, 2026 |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 0000290175 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 290175 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | TRADEMARK TITLE SERVICES INC, TRADEMARK TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,336.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 0000290176 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | 290176 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | KANABEC MN |
| Recording Date | Sep 24, 2025 |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 0000289172 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 289172 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANABEC MN |
| Recording Date | Dec 31, 2019 |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 268781 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 268781 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 268782 |
|---|---|
| Date | Dec 31, 2019 |
| Instrument | 268782 |
| Name | LAKE AREA MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | KANABEC MN |
| Recording Date | Apr 7, 2011 |
| Property Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 0000239110 |
| Instrument Date | Apr 1, 2011 |
| Instrument | 239110 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20188 ANN RIVER DR, MORA, MN 55051-7450 |
| Document Number | 0000239111 |
|---|---|
| Date | Apr 7, 2011 |
| Instrument | 239111 |
| Name | GREATER MINNESOTA CU |
|---|---|
| Type | Credit Union |
| Address | MORA, MN 55051 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2021 |
Source: Kanabec County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Kanabec County |
| County Subdivision | Arthur Township |
| Unified School District | Mora Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,230.00 (-11.21%) Homeowner's exemption Senior Citizen's exemption | $377,700 (+7.79%) Land $137,500 Building $240,200 | $377,700 (+7.79%) Land $137,500 Building $240,200 |
| 2025 | $4,764.00 (+3.88%) | $350,400 (-5.55%) Land $129,400 Building $221,000 | $350,400 (-5.55%) Land $129,400 Building $221,000 |
| 2023 | $4,586.00 | $371,000 Land $127,500 Building $243,500 | $371,000 Land $127,500 Building $243,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 4 (2001–2016) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jul 2016 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 61% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber | 5,000 / 5,000 |
| ECE Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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