2675 Co Rd 99, Ray (Kabetogama), MN 56669 Property Records

Koochiching County property record for 2675 Co Rd 99, Ray, MN 56669

Property Summary

Property Type	Single Family Home
Details	1,924 sqft · built 1962
Lot Size	27 acres (1,176,120 sqft)
Owner	Individual Name on Record
Tax Bill	$304 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2013 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-055-44300`

Property Details

APN / Parcel Number

Primary APN	`12-055-44300`
Alternative APN	`3814`

Interior

Building Area	1,924 sqft Gross Area
1st Floor Area	1,924 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	1,176,120 sqft (27 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Storage Building	90 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	3814
Street Address	2675 COUNTY ROAD 99
City	KABETOGAMA
State	MN
Zip	56669-9044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE1/4-SE1/4 LESS N 420 FT
Legal Range	23
Legal Township	068
Legal Section	15
Jurisdiction	KOOCHICHING MN
Township / Civil Division	EAST KOOCHICHING
Census Block Group	2
Census Block	2049
Census Tract	790300

Owner

Source: Koochiching County records, as of October 22, 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	2675 COUNTY ROAD 99, KABETOGAMA, MN 56669-9044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2017	Warranty Deed, Transfer · Conventional Mortgage TRUSTAR FCU
Jan 23, 2013	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage DISCOVER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2017
Deed Sale	Mar 13, 2017
Deed Document Number	2017287144
Prior Transfer Date	Jan 23, 2013
Prior Transfer Doc	0000276805
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOCHICHING MN
Recording Date	Mar 13, 2017
Property Address	2675 COUNTY ROAD 99, KABETOGAMA, MN 56669-9044
Document Number	A000287144
Instrument Date	Mar 10, 2017
Instrument	A000287144
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	MINNESOTA TITLE ABSTRACT COM

Transaction

Tax	$390.89
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2675 COUNTY ROAD 99, RAY, MN 56669-9044

Mortgage

Document Number	A000287145
Date	Mar 13, 2017
Instrument	A000287145

Lender

Name	TRUSTAR FCU
Type	Credit Union
Address	INTERNATIONAL FALLS, MN 56649

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

January 2013: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	KOOCHICHING MN
Recording Date	Jan 23, 2013
Property Address	2675 COUNTY ROAD 99, KABETOGAMA, MN 56669-9044
Document Number	A000276805
Instrument Date	Jan 23, 2013
Instrument	A000276805
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2675 COUNTY ROAD 99, RAY, MN 56669-9044

Mortgage

Document Number	A000276806
Date	Jan 23, 2013
Instrument	A000276806

Lender

Name	DISCOVER HOME LOANS INC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2043

Tax Assessment & Valuation

Source: Koochiching County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Koochiching County
Unified School District	International Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$304.00 (-76.97%) Homeowner's exemption
2025	$1,320.00 (+19.35%)	$179,800 (+8.25%) Land $40,100 Building $139,700	$179,800 (+8.25%) Land $40,100 Building $139,700
2024	$1,106.00 Homeowner's exemption	$166,100 Land $40,100 Building $126,000	$166,100 Land $40,100 Building $126,000

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, 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

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	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

Cell Coverage

4G LTE (outdoors only), no 5G reported

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