307 Cardinal Ave, Thief River Falls, MN 56701 Property Records

Pennington County property record for 307 Cardinal Ave, Thief River Falls, MN 56701

Property Summary

Property Type	Single Family Home
Details	1,324 sqft · built 1977
Lot Size	0.367 acres (15,997 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jul 2021)
Tax Bill	$2,648 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2005 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`R-25.03700410`

Property Details

APN / Parcel Number

Primary APN	`R-25.03700410`
Alternative APN	`17066`

Interior

Building Area	1,324 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	15,997 sqft (0.367 acres)
Lot Width	100 ft Width

Location & Zoning

Account Number	17066
Street Address	307 CARDINAL AVE
City	THIEF RIVER FALLS
State	MN
Zip	56701-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARTHURS THIRD ADDITION LOT-004 BLOCK-001
Legal Subdivision	ARTHURS THIRD ADDITION
Legal Block	1
Legal Lot Number	4
Jurisdiction	PENNINGTON MN
Township / Civil Division	THIEF RIVER FALLS
Census Block Group	1
Census Block	1034
Census Tract	90200

Owner

307 Cardinal Ave is owned and occupied by two individuals who bought it in July 2021.

Source: Pennington County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN STATE BANK OF THIEF RIVER FALLS
Mar 21, 2005	Deed of Trust, Mortgage · Line of Credit BORDER STATE BANK
Oct 6, 2005	Deed of Trust, Mortgage · Line of Credit BORDER STATE BANK
Jan 22, 2010	Deed of Trust, Mortgage · Conventional Mortgage BORDER STATE BANK
Feb 3, 2010	Deed of Trust, Mortgage · Line of Credit BORDER STATE BANK
Jul 7, 2005	Deed of Trust, Mortgage · Conventional Mortgage BORDER STATE BANK
Jul 23, 2021	Deed, Transfer · Line of Credit NORTHERN STATE BANK OF THIEF RIVER
Jul 23, 2021	Deed, Transfer · Line of Credit NORTHERN STATE BANK OF THIEF RIVER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Deed Document Number	2021220853
Prior Transfer Date	Jul 22, 2021
Prior Transfer Doc	220853
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601

Mortgage

Document Number	0000224317
Date	Nov 29, 2022
Instrument	224317

Lender

Name	NORTHERN STATE BANK OF THIEF RIVER FALLS
Type	Bank
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Dec 1, 2027

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000175886
Date	Mar 21, 2005
Instrument	175886

Lender

Name	BORDER STATE BANK
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000177636
Date	Oct 6, 2005
Instrument	177636

Lender

Name	BORDER STATE BANK
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 1, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190213
Date	Jan 22, 2010
Instrument	190213

Lender

Name	BORDER STATE BANK
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2025

February 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190285
Date	Feb 3, 2010
Instrument	190285

Lender

Name	BORDER STATE BANK
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Jan 27, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176791
Date	Jul 7, 2005
Instrument	176791

Lender

Name	BORDER STATE BANK
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	59 Months
Due	Jun 1, 2010

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PENNINGTON MN
Recording Date	Jul 23, 2021
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Document Number	220853
Instrument Date	Jul 22, 2021
Instrument	220853
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
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	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601

Mortgage

Document Number	220857
Date	Jul 23, 2021
Instrument	220857

Lender

Name	NORTHERN STATE BANK OF THIEF RIVER
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Sep 15, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PENNINGTON MN
Recording Date	Jul 23, 2021
Property Address	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Document Number	0000220853
Instrument Date	Jul 22, 2021
Instrument	220853
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
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	307 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601

Mortgage

Document Number	0000220857
Date	Jul 23, 2021
Instrument	220857

Lender

Name	NORTHERN STATE BANK OF THIEF RIVER
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Sep 15, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 307 Cardinal Ave was $2,648 with a homeowner's exemption.

Source: Pennington County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Pennington County
Municipality	Thief River Falls City
Unified School District	Thief River Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,648.00 Homeowner's exemption
2025	$2,648.00 Homeowner's exemption	$180,000 (-7.64%) Land $34,000 Building $146,000	$180,000 (-7.64%) Land $34,000 Building $146,000
2024		$194,900 Land $34,000 Building $160,900	$194,900 Land $34,000 Building $160,900
2022	$2,584.00	$181,100	$181,100

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

Flood

FEMA maps place 307 Cardinal Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective October 8, 2025 · 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	2 in force
Nearby Flood Claims	2 (1997–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2019 · rainfall accumulation

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

Wildfire risk around 307 Cardinal Ave 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 64% of the US · above 63% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Thief River Falls serves 8,701 people · EPA ID MN1570003
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator.

Water Quality	Turbidity not recorded as resolved · Jan 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Garden Valley Technologies Fiber	6,000 / 6,000
Sjobergs Cable · Fiber in parts of the area	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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