2540 E Rum River Dr S, Cambridge, MN 55008 Property Records

Isanti County property record for 2540 E Rum River Dr S, Cambridge, MN 55008 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,092 sqft · built 1984
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$324,900 (Nov 2025)
Tax Bill	$3,738 (2026)
Deeds & Mortgages	Nov 2025 Transfer Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15.263.0010`

Property Details

APN / Parcel Number

Primary APN	`15.263.0010`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,092 sqft Heated Area
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	154 ft deep x 149 ft wide
Garage Area	528 sqft
Driveway	Driveway
Deck Area	324 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2540 E RUM RIVER DR S
City	CAMBRIDGE
State	MN
Zip	55008-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME GOLDENWOOD 8TH ADDN LOT 001 BLOCK 001 SUBDIVISIONCD 15263
Legal Range	023
Legal Township	035
Legal Section	05
Legal Subdivision	GOLDENWOOD 8TH ADDN
Legal Block	1
Legal Lot Number	1
Jurisdiction	ISANTI MN
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2014
Census Tract	130303

Owner

Source: Isanti County records · APN 15.263.0010

Assessment roll updated August 10, 2026 · Last verified August 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 File
Mailing Address	2540 E RUM RIVER DR S, CAMBRIDGE, MN 55008-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Affidavit of Death of Joint Tenant, Transfer LEGACY TITLE
Nov 21, 2025	Deed, Transfer · FHA Mortgage LOAN SIMPLE INC
Jul 19, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	2025541270
Record Updated	Sep 20, 2026

November 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ISANTI MN
Recording Date	Nov 21, 2025
Property Address	2540 E RUM RIVER DR S, CAMBRIDGE, MN 55008-2614
Document Number	000A541267
Instrument Date	Nov 17, 2025
Instrument	A541267
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	LEGACY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 E RUM RIVER DR S, CAMBRIDGE, MN 55008-2614
Investor	Possibly a Property Investor

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ISANTI MN
Recording Date	Nov 21, 2025
Property Address	2540 E RUM RIVER DR S, CAMBRIDGE, MN 55008-2614
Document Number	000A541270
Instrument Date	Nov 17, 2025
Instrument	A541270
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2540 E RUM RIVER DR S, CAMBRIDGE, MN 55008-2614

Mortgage

Document Number	000A541271
Date	Nov 21, 2025
Instrument	A541271

Lender

Name	LOAN SIMPLE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ISANTI MN
Recording Date	Jul 19, 2019
Property Address	2540 E RUM RIVER DR S, CAMBRIDGE, MN 55008-2614
Document Number	0000983734
Instrument Date	Jul 19, 2019
Instrument	983734
Transaction Type	Transfer
Record Updated	Aug 09, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 E RUM RIVER DR S CAMBRIDGE MN 550082614, CAMBRIDGE, MN 55008-2614

Tax Assessment & Valuation

Source: Isanti County records · Assessment roll updated August 10, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Isanti County
Municipality	Cambridge City
Unified School District	Cambridge-Isanti Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,738.00 (-6.64%) Homeowner's exemption	$282,500 (-3.85%) Land $55,000 Building $227,500	$282,500 (-3.85%) Land $55,000 Building $227,500
2025	$4,004.00 (-0.74%) Homeowner's exemption	$293,800 (-0.74%) Land $55,000 Building $238,800	$293,800 (-0.74%) Land $55,000 Building $238,800
2023	$4,034.00 (-0.05%) Homeowner's exemption	$296,000 Land $40,200 Building $255,800	$296,000 Land $40,200 Building $255,800
2022	$4,036.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Isanti County (27059C), updated January 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270591303032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 5% of the US · above 16% of Minnesota
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 183 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	2,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Uniti Group	DSL	200 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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