3481 Main St, Ranier, MN 56668 Property Records

Koochiching County property record for 3481 Main St, Ranier, MN 56668

Property Summary

Property Type	Single Family Home
Details	2,087 sqft · built 1940
Lot Size	0.43 acres (18,559 sqft)
Owner	Company Name on File
Last Sale	$225,000 (Nov 2015)
Tax Bill	$4,418 (2026)
Deeds & Mortgages	Dec 2005 Mortgage Apr 2008 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`98-001-04010`

Property Details

APN / Parcel Number

Primary APN	`98-001-04010`
Alternative APN	`20265`

Interior

Building Area	2,087 sqft Gross Area
1st Floor Area	2,087 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	18,559 sqft (0.43 acres)
View / Lot	Waterfront
Deck Area	Deck Area
Storage Building	316 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	20265
Street Address	3481 MAIN ST
City	RANIER
State	MN
Zip	56668-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2,3 BLK 4
Legal Subdivision	RANIER
Legal Block	4
Legal Lot Number	1-3
Jurisdiction	KOOCHICHING MN
Township / Civil Division	RANIER
Census Block Group	1
Census Block	1026
Census Tract	790300

Owner

3481 Main St is owned by a company that bought it in November 2015 and is owner-occupied.

Source: Koochiching County records, as of October 22, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 421, RANIER, MN 56668-0421
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

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
Dec 22, 2005	Deed of Trust, Mortgage WELLS FARGO BANK NA
Apr 10, 2008	Deed of Trust, Mortgage FIRST NATIONAL BANK OF DEERWOOD
May 17, 2005	Deed of Trust, Mortgage WELLS FARGO BANK NA
Apr 6, 2007	Deed of Trust, Mortgage · Line of Credit TRUSTAR FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2015 · Amount on File
Deed Sale	Nov 19, 2015 · Amount on File
Deed Document Number	2015436811
Record Updated	Oct 29, 2026

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOCHICHING MN
Property Address	3481 MAIN ST, RANIER, MN 56668-1030
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000254377
Date	Dec 22, 2005
Instrument	A000254377

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55408

Agreement

Amount	Amount on Record
Term	88 Months
Due	Apr 1, 2013

Interest

Rate Type	Adjustable Rate

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOCHICHING MN
Property Address	3481 MAIN ST, RANIER, MN 56668-1030
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000262203
Date	Apr 10, 2008
Instrument	A000262203

Lender

Name	FIRST NATIONAL BANK OF DEERWOOD
Address	BEMIDJI, MN 56601

Agreement

Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2013

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOCHICHING MN
Property Address	3481 MAIN ST, RANIER, MN 56668-1030
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000251908
Date	May 17, 2005
Instrument	A000251908

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	INTERNATIONAL FALLS, MN 56649

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 15, 2010

Interest

Rate Type	Adjustable Rate

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOCHICHING MN
Property Address	3481 MAIN ST, RANIER, MN 56668-1030
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000259010
Date	Apr 6, 2007
Instrument	A000259010

Lender

Name	TRUSTAR FCU
Address	INTERNATIONAL FALLS, MN 56649

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 15, 2012

Tax Assessment & Valuation

The 2026 property tax bill for 3481 Main St was $4,418 with a homeowner's exemption.

Source: Koochiching County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Koochiching County
Municipality	Ranier City
Unified School District	International Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,418.00 Homeowner's exemption
2025	$4,418.00 (+6.25%)	$231,000 (-) Land $88,900 Building $142,100	$231,000 (-) Land $88,900 Building $142,100
2024	$4,158.00 Homeowner's exemption	$231,000 Land $88,900 Building $142,100	$231,000 Land $88,900 Building $142,100

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

Flood

FEMA maps place 3481 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	1,114.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	13 (2001–2022)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Jul 2022 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2022 · 6 claims Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2014 · 3 claims

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 3481 Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% 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	Ranier serves 565 people · EPA ID MN1360006
Water Source	Purchased surface water from International Falls
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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