2856 Gander Dr, Willow River, MN 55795 Property Records

Pine County property record for 2856 Gander Dr, Willow River, MN 55795 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,297 sqft · built 2002
Lot Size	1.51 acres (65,993 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Oct 2023)
Tax Bill	$3,058 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2023 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`47.0095.012`

Property Details

APN / Parcel Number

Primary APN	`47.0095.012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,297 sqft Living Area
Gross Area	2,336 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Utility Area	1 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Steel Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,993 sqft (1.51 acres)
Garage Area	832 sqft
Driveway	Driveway
Porch	Slab
Deck Area	336 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2856 GANDER DR
City	WILLOW RIVER
State	MN
Zip	55795-3291
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-10 TWP-044 RANGE-020 1.52 AC THAT PART OF SOUTHEAST 1/4 OF NORTHEAST 1/4 DESC AS FOLL: COM AT NE CORNER OF SE1/4 OF
Legal Range	020
Legal Township	044
Legal Section	10
Jurisdiction	PINE MN
Township / Civil Division	WILLOW RIVER
Census Block Group	2
Census Block	2125
Census Tract	950200

Owner

Source: Pine County records · APN 47.0095.012

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	Individual Name on File
Mailing Address	2856 GANDER DR, WILLOW RIVER, MN 55795-3291
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 14, 2023	Deed of Trust, Mortgage · Line of Credit NORTHVIEW BANK & TRUST
Mar 20, 2019	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 02, 2023 · Amount on Record
Deed Sale	Oct 02, 2023 · Amount on Record
Prior Sale	May 26, 2005 · Amount on Record
Deed Document Number	20231590184
Prior Transfer Date	Mar 05, 2019
Prior Transfer Doc	0000545373
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	2856 GANDER DR, WILLOW RIVER, MN 55795-3291
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000578731
Date	Oct 23, 2023
Instrument	578731

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	2856 GANDER DR, WILLOW RIVER, MN 55795-3291
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000577983
Date	Sep 14, 2023
Instrument	577983

Lender

Name	NORTHVIEW BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 06, 2024

March 2019: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	PINE MN
Recording Date	Mar 20, 2019
Property Address	2856 GANDER DR, WILLOW RIVER, MN 55795-3291
Document Number	545373
Instrument Date	Mar 05, 2019
Instrument	545373
Transaction Type	Transfer
Record Updated	Jul 05, 2021

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
Relationship	Joint Tenants
Address	2856 GANDER DR, WILLOW RIVER, MN 55795-3291

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Pine County
Municipality	Willow River City
Unified School District	Willow River 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		$357,400 (+6.81%) Land $39,500 Building $317,900	$357,400 (+6.81%) Land $39,500 Building $317,900
2025	$3,058.00 (-5.33%)
2023	$3,230.00 Homeowner's exemption	$334,600 Land $37,300 Building $297,300	$334,600 Land $37,300 Building $297,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pine County (27115C), updated April 3, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271159502002, 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 A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	9 in force
Nearby Flood Claims	17 (2010–2023)
Claims Outside the SFHA	10 of 17
Most Recent Claim	Apr 2023, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Apr 2023 · 5 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 5,882 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 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	250 / 20

May also be available at this address: Midcontinent Communications, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

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