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

Pennington County property record for 321 Cardinal Ave, Thief River Falls, MN 56701

Property Summary

Property Type	Single Family Home
Details	1,144 sqft · built 1996
Lot Size	0.651 acres (28,378 sqft)
Owner	2 Individual Names on File
Last Sale	$176,500 (May 2016)
Tax Bill	$3,832 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2015 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R-25.03701010`

Property Details

APN / Parcel Number

Primary APN	`R-25.03701010`
Alternative APN	`12955`

Interior

Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	28,378 sqft (0.651 acres)
Lot Width	101 ft Width

Location & Zoning

Account Number	12955
Street Address	321 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-010 BLOCK-001
Legal Subdivision	ARTHURS THIRD ADDITION
Legal Block	1
Legal Lot Number	10
Jurisdiction	PENNINGTON MN
Township / Civil Division	THIEF RIVER FALLS
Census Block Group	1
Census Block	1034
Census Tract	90200

Owner

321 Cardinal Ave is owned and occupied by two individuals who bought it in May 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 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
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN STATE BANK/THIEF RIV FALLS
Aug 26, 2015	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 25, 2006	Deed of Trust, Mortgage WELLS FARGO BANK NA
Aug 22, 2006	Deed of Trust, Mortgage · Line of Credit HOMECOMINGS FINANCIAL NETWORK INC
Aug 9, 2012	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 19, 2016	Warranty Deed, Transfer · FHA Mortgage MARKETPLACE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2016 · Amount on File
Deed Sale	May 19, 2016 · Amount on File
Deed Document Number	2016207687
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Recording Date	Aug 24, 2026
Property Address	321 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Document Number	0000232104
Instrument Date	Aug 17, 2026
Instrument	2026232104
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601

Mortgage

Document Number	0000232104,
Date	Aug 24, 2026
Instrument	2026232104

Lender

Name	NORTHERN STATE BANK/THIEF RIV FALLS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 20, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	321 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	0000205791
Date	Aug 26, 2015
Instrument	205791

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2045

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	321 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	0000180951
Date	Oct 25, 2006
Instrument	180951

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	120 Months
Due	Oct 21, 2016

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	321 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	0000180299
Date	Aug 22, 2006
Instrument	180299

Lender

Name	HOMECOMINGS FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2021

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENNINGTON MN
Property Address	321 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	0000197108
Date	Aug 9, 2012
Instrument	197108

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2027

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENNINGTON MN
Recording Date	May 19, 2016
Property Address	321 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601
Document Number	0000207687
Instrument Date	May 6, 2016
Instrument	207687
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	PENNINGTON COUNTY ABSTRACT &

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.45
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	321 CARDINAL AVE, THIEF RIVER FALLS, MN 56701-2601

Mortgage

Document Number	0000207688
Date	May 19, 2016
Instrument	207688

Lender

Name	MARKETPLACE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2046

Mortgage

Document Number	0000207689
Date	May 19, 2016
Instrument	207689

Lender

Name	NORTHWEST MINNESOTA MULTI COUNTY HOUSING
Type	Government Agency
Address	MENTOR, MN 56736

Agreement

Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 321 Cardinal Ave was $3,832 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	$3,832.00 Homeowner's exemption
2025	$3,832.00	$244,200 Land $43,100 Building $201,100	$244,200 Land $43,100 Building $201,100

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

Flood

FEMA maps place 321 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 321 Cardinal Ave is low, with a 0.05% 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 64% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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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