Koochiching County property record for 2648 Co Rd 99, Ray, MN 56669
| Property Type | Single Family Home |
|---|---|
| Details | 1,632 sqft · built 2008 |
| Lot Size | 77 acres (3,354,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,832 (2026) |
| Deeds & Mortgages | Dec 2019 Refinance Feb 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-054-31000 |
| Primary APN | 12-054-31000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,632 sqft Gross Area |
| 1st Floor Area | 1,632 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,354,120 sqft (77 acres) |
| Cooling System | Central |
|---|
| Account Number | 3793 |
|---|---|
| Street Address | 2648 COUNTY ROAD 99 |
| City | KABETOGAMA |
| State | MN |
| Zip | 56669-9044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT N1/2 - SW LYING S OF RIVER |
| Legal Range | 23 |
| Legal Township | 068 |
| Legal Section | 14 |
| Jurisdiction | KOOCHICHING MN |
| Township / Civil Division | EAST KOOCHICHING |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 790300 |
2648 Co Rd 99 is owned and occupied by an individual.
Source: Koochiching County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2648 COUNTY ROAD 99, KABETOGAMA, MN 56669-9044 |
| 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.
| Date | Document |
|---|---|
| Dec 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance PLANET HOME LENDING LLC |
| Feb 6, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KOOCHICHING MN |
| Property Address | 2648 COUNTY ROAD 99, RAY, MN 56669-9044 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000293784 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | A000293784 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KOOCHICHING MN |
| Property Address | 2648 COUNTY ROAD 99, RAY, MN 56669-9044 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000291740 |
|---|---|
| Date | Feb 6, 2019 |
| Instrument | A000291740 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2026 property tax bill for 2648 Co Rd 99 was $1,832 with a homeowner's exemption, up 7.6% from the year before.
Source: Koochiching County assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Koochiching County |
| Unified School District | International Falls School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,832.00 (+7.64%) Homeowner's exemption | ||
| 2025 | $1,702.00 (+17.54%) | $241,100 (+5.7%) Land $105,800 Building $135,300 | $241,100 (+5.7%) Land $105,800 Building $135,300 |
| 2024 | $1,448.00 Homeowner's exemption | $228,100 Land $105,800 Building $122,300 | $228,100 Land $105,800 Building $122,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2648 Co Rd 99 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 2648 Co Rd 99 is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 81% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.1% 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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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