38869 Co Rd 15, Pine River, MN 56474 Property Records

Crow Wing County property record for 38869 Co Rd 15, Pine River, MN 56474 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,387 sqft · built 1991
Lot Size	36.6 acres (1,596,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,654 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`720011200A00009`

Property Details

APN / Parcel Number

Primary APN	`720011200A00009`
Alternative APNs	`72010525` `163620`

Interior

Full Baths	3 Baths
Building Area	1,387 sqft Living Area
Gross Area	1,428 sqft
1st Floor Area	1,387 sqft
Basement Area	1,428 sqft
Unfinished Basement	1,428 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,596,038 sqft (36.6 acres)
Garage Area	1,585 sqft
Driveway	Driveway

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	264 sqft
Lean-To	360 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	163620
Street Address	38869 COUNTY ROAD 15
City	PINE RIVER
State	MN
Zip	56474-3513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PT OF NWNE DESC AS FOL: BEG AT NW COR THEREOF THEN S 1D 20'34" W ASSM/BEAR ALG W LINE THEREOF 1283.93FT THEN S 87D 58'35
Legal Range	29W
Legal Township	137
Legal Section	01
Jurisdiction	CROW WING MN
Township / Civil Division	JENKINS
Census Block Group	2
Census Block	2014
Census Tract	951700

Owner

Source: Crow Wing County records · APN 720011200A00009

Assessment roll updated August 28, 2025 · Last verified August 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 File
Mailing Address	38869 COUNTY ROAD 15, PINE RIVER, MN 56474-3513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 03, 2026	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Aug 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	38869 COUNTY ROAD 15, PINE RIVER, MN 56474-3513
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001020177
Date	Feb 03, 2026
Instrument	1020177

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	SAINT PAUL, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 01, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.73%
Type Change Date	Apr 01, 2031
Change Frequency	3 Years
Min Rate At Change	5.99%
Max Rate At Change	12.7%
Index	3-Year CMT
Max Rate	18%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	38869 COUNTY ROAD 15, PINE RIVER, MN 56474-3513
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38869 COUNTY ROAD 15, PINE RIVER, MN 56474-3513

Mortgage

Document Number	0001013758
Date	Aug 26, 2025
Instrument	1013758

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	SAINT PAUL, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Jun 01, 2045

Interest

Rate Type	Adjustable Rate
Rate	11.4%
Type Change Date	Aug 01, 2030
Change Frequency	3 Years
Min Rate At Change	6.99%
Max Rate At Change	17.4%
Index	3-Year CMT
Max Rate	18%

Tax Assessment & Valuation

Source: Crow Wing County records · Assessment roll updated August 28, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Crow Wing County
County Subdivision	Jenkins Township
Unified School District	Pine River-Backus Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,654.00 (+3.25%)	$462,669 (+0.84%)	$476,900 (+3.95%) Land $195,000 Building $281,900
2025		$458,800 (+11.63%) Land $186,500 Building $272,300	$458,800 (+11.63%) Land $186,500 Building $272,300
2023	$1,602.00 Homeowner's exemption	$411,000 Land $122,600 Building $288,400	$411,000 Land $122,600 Building $288,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Crow Wing County (27035C), updated August 15, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Emily Cooperative Telephone Company	Fiber	2,500 / 2,500

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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