Chisago County property record for 2345 445th St, Harris, MN 55032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1998 |
| Lot Size | 3.05 acres (132,858 sqft) |
| Owner | Company Name on File |
| Last Sale | $278,000 (Jul 2019) |
| Tax Bill | $4,170 (2026) |
| Deeds & Mortgages | Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-01311-44 |
| Primary APN | 03-01311-44 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,977 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 132,858 sqft (3.05 acres) |
| Garage Area | 1,110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3988718 |
|---|---|
| Street Address | 2345 445TH ST |
| City | HARRIS |
| State | MN |
| Zip | 55032-3761 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | SUBDIVISIONNAME HORSESHOE RIDGE LOT 010 BLOCK 001 SUBDIVISIONCD 03095 |
| Legal Range | 022 |
| Legal Township | 036 |
| Legal Section | 23 |
| Legal Subdivision | HORSESHOE RIDGE |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | CHISAGO MN |
| Township / Civil Division | FISH LAKE |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 110100 |
2345 445th St is owned by a company that bought it in July 2019 and is owner-occupied.
Source: Chisago County records, as of April 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 26022 MAIN ST, ZIMMERMAN, MN 55398-9346 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2019 · Amount on File |
| Deed Sale | Jul 29, 2019 · Amount on File |
| Prior Sale | Feb 7, 2018 · Amount on File |
| Prior Transfer Date | Feb 2, 2018 |
| Prior Transfer Doc | 000A606584 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHISAGO MN |
| Recording Date | Feb 7, 2018 |
| Property Address | 2345 445TH ST, HARRIS, MN 55032-3761 |
| Document Number | 000A606583 |
| Instrument Date | Feb 2, 2018 |
| Instrument | A-606583 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 000A606584 |
|---|---|
| Date | Feb 7, 2018 |
| Instrument | A-606584 |
| Name | MEMBERS COOPERATIVE CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 359 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 2345 445th St was $4,170 with a homeowner's exemption, up 5% from the year before.
Source: Chisago County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Chisago County |
| County Subdivision | Fish Lake Township |
| Unified School District | North Branch Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,170.00 (+4.98%) | ||
| 2025 | $3,972.00 Homeowner's exemption | ||
| 2024 | $343,500 (+2.35%) | $357,800 (+4.59%) | |
| 2023 | $3,606.00 Homeowner's exemption | $335,600 (+7.63%) | $342,100 (+6.84%) Land $84,800 Building $257,300 |
| 2022 | $3,606.00 (+2.04%) Homeowner's exemption | $311,800 (+23.53%) | $320,200 (+20.51%) Land $77,900 Building $242,300 |
| 2021 | $3,534.00 | $252,400 | $265,700 Land $63,100 Building $202,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2345 445th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 17, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2345 445th St is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 67% 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
May also be available: GigFire.
5G (outdoors only) and 4G LTE
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