3188 Koivisto Rd, Kettle River, MN 55757 Property Records

Carlton County property record for 3188 Koivisto Rd, Kettle River, MN 55757

Property Summary

Property Type	Seasonal / Vacation Home
Lot Size	28.8 acres (1,258,448 sqft)
Owner	Individual Name on Record
Last Sale	$65,500 (Oct 2023)
Tax Bill	$538 (2026)
Deeds & Mortgages	Jul 2015 Line of Credit Nov 2023 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`51-044-3100`

Property Details

APN / Parcel Number

Primary APN	`51-044-3100`
Alternative APN	`18693`

Exterior

Lot Area	1,258,448 sqft (28.8 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	18693
Street Address	3188 KOIVISTO RD
City	KETTLE RIVER
State	MN
Zip	55757-8815
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	SW1/4 NW1/4 LT 2 TOWN OF KALEVALA
Legal Range	20
Legal Township	47
Legal Section	19
Legal Subdivision	TOWN OF KALEVALA
Legal Lot Number	2
Jurisdiction	CARLTON MN
Township / Civil Division	KALEVALA
Census Block Group	1
Census Block	1041
Census Tract	70600

Owner

Source: Carlton County records, as of April 24, 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	1 341ST AVE NE, CAMBRIDGE, MN 55008-7723
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2015	Deed of Trust, Mortgage · Line of Credit NORTHVIEW BANK
Nov 6, 2023	Trustee's Deed, Foreclosure · Stand-Alone Second Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Jul 22, 2014	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 15, 2009	Quit Claim Deed, Transfer Quitclaim
Sep 10, 2008	Quit Claim Deed, Transfer Quitclaim
Apr 12, 2007	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	20231596370
Prior Transfer Date	Jul 9, 2014
Prior Transfer Doc	0000457381
Record Updated	Oct 29, 2026

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	3188 KOIVISTO RD, KETTLE RIVER, MN 55757-8815
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000463453
Date	Jul 10, 2015
Instrument	A000463453

Lender

Name	NORTHVIEW BANK
Type	Bank
Address	BARNUM, MN 55707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 25, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARLTON MN
Recording Date	Nov 6, 2023
Property Address	3188 KOIVISTO RD, KETTLE RIVER, MN 55757-8815
Document Number	A000514285
Instrument Date	Oct 31, 2023
Instrument	A000514285
Transaction Type	Foreclosure
Record Updated	Apr 24, 2026
Title Company	AFFINITY PLUS TITLE COMPANY, AFFINITY PLUS TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 341ST AVE NE, CAMBRIDGE, MN 55008-7723

Mortgage

Document Number	A000514286
Date	Nov 6, 2023
Instrument	A000514286

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2038

July 2014: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARLTON MN
Recording Date	Jul 22, 2014
Property Address	3188 KOIVISTO RD, KETTLE RIVER, MN 55757-8815
Document Number	A000457381
Instrument Date	Jul 9, 2014
Instrument	A000457381
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3191 KOIVISTO RD, KETTLE RIVER, MN 55757-8815

May 2009: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	May 15, 2009
Property Address	3188 KOIVISTO RD, KETTLE RIVER, MN 55757-8815
Document Number	A000424095
Instrument Date	May 12, 2009
Instrument	A000424095
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$1.65
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 E DIVISION ST, SPARTA, MI 49345-1325

September 2008: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Sep 10, 2008
Property Address	3188 KOIVISTO RD, KETTLE RIVER, MN 55757-8815
Document Number	A000419698
Instrument Date	Jun 16, 2008
Instrument	A000419698
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$1.65
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 E DIVISION ST, SPARTA, MI 49345-1325

April 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARLTON MN
Recording Date	Apr 12, 2007
Property Address	3188 KOIVISTO RD, KETTLE RIVER, MN 55757-8815
Document Number	A000408983
Instrument Date	Apr 2, 2007
Instrument	A000408983
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$1.65
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 E DIVISION ST, SPARTA, MI 49345-1325

Tax Assessment & Valuation

Source: Carlton County assessment roll, as of April 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
County Subdivision	Kalevala Township
Unified School District	Barnum Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$538.00 (+31.22%)
2025		$58,100 (+20.79%) Land $55,600 Building $2,500	$58,100 (+20.79%) Land $55,600 Building $2,500
2024	$410.00 (+2,462.5%)	$48,100 (+9.32%) Land $48,100	$48,100 (+9.32%) Land $48,100
2023	$16.00 Homeowner's exemption	$44,000 (-) Land $44,000	$44,000 (-) Land $44,000
2022		$44,000 Land $44,000	$44,000 Land $44,000

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 March 13, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	70 / 3

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