32405 Elk Ct, Stacy, MN 55079 Property Records

Chisago County property record for 32405 Elk Ct, Stacy, MN 55079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1978
Lot Size	3.19 acres (138,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Dec 2025)
Tax Bill	$3,168 (2026)
Deeds & Mortgages	Apr 2015 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`05-00567-00`

Property Details

APN / Parcel Number

Primary APN	`05-00567-00`
Alternative APNs	`3165377` `3360494` `3444683` `3975774`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,048 sqft Living Area
Gross Area	2,553 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	138,956 sqft (3.19 acres)
Garage Area	1,048 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3975774
Street Address	32405 ELK CT
City	STACY
State	MN
Zip	55079-9214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SUBDIVISIONNAME COUNTRY OAKS LOT 004 BLOCK 002 SUBDIVISIONCD 05010
Legal Range	021
Legal Township	034
Legal Section	19
Legal Subdivision	COUNTRY OAKS
Legal Block	2
Legal Lot Number	4
Jurisdiction	CHISAGO MN
Township / Civil Division	STACY
Census Block Group	1
Census Block	1008
Census Tract	110402

Owner

Source: Chisago County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	32405 ELK CT, STACY, MN 55079-9214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2015	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Dec 23, 2025	Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Feb 21, 2014	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Feb 21, 2014 · Amount on Record
Deed Document Number	2025689464
Record Updated	Jun 8, 2026

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	32405 ELK CT, STACY, MN 55079-9214
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A577091
Date	Apr 30, 2015
Instrument	A577091

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2045

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Dec 23, 2025
Property Address	32405 ELK CT, STACY, MN 55079-9214
Document Number	000A689464
Instrument Date	Dec 10, 2025
Instrument	A-689464
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,287.00
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	32405 ELK CT, STACY, MN 55079-9214

Mortgage

Document Number	000A689465
Date	Dec 23, 2025
Instrument	A-689465

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

February 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Feb 21, 2014
Property Address	32405 ELK CT, STACY, MN 55079-9214
Document Number	0000015285
Instrument Date	Feb 7, 2014
Instrument	15285
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1670 BROADWAY21ST, DENVER, CO 80202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32405 ELK CT, STACY, MN 55079-9214

Mortgage

Document Number	000A566527
Date	Feb 21, 2014
Instrument	A-566527

Lender

Name	GUARANTEED RATE INC
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2044

Interest

Rate	4.12%

Tax Assessment & Valuation

Source: Chisago County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
Municipality	Stacy City
Unified School District	North Branch Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,168.00 (+3.19%)
2025	$3,070.00 (-8.14%) Homeowner's exemption
2024		$277,300 (-11.94%)	$297,100 (-8.05%)
2023	$3,342.00 (+4.57%) Homeowner's exemption	$314,900 (+7.77%)	$323,100 (+6.92%) Land $92,700 Building $230,400
2022	$3,196.00 (+8.78%) Homeowner's exemption	$292,200 (+30.56%)	$302,200 (+26.18%) Land $84,500 Building $217,700
2021	$2,938.00	$223,800	$239,500 Land $67,900 Building $171,600

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 April 17, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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 45% of the US · above 75% of Minnesota
Wildfire Likelihood	0.05% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

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