3932 Main St, Kettle River, MN 55757 Property Records

Carlton County property record for 3932 Main St, Kettle River, MN 55757

Property Summary

Property Type	Single Family Home
Lot Size	0.298 acres (12,994 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2021)
Tax Bill	$2,800 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-010-0520`

Property Details

APN / Parcel Number

Primary APN	`19-010-0520`
Alternative APN	`9355`

Exterior

Lot Area	12,994 sqft (0.298 acres)

Location & Zoning

Account Number	9355
Street Address	3932 MAIN ST
City	KETTLE RIVER
State	MN
Zip	55757-8647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 10 11 12 & 18 CITY OF KETTLE RIVER ORIGINAL PLAT
Legal Subdivision	RIVER ORIGINAL PLAT
Legal Block	2
Legal Lot Number	10
Jurisdiction	CARLTON MN
Township / Civil Division	KETTLE RIVER
Census Block Group	3
Census Block	3065
Census Tract	70600

Owner

Source: Carlton County records, as of April 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3932 MAIN ST, KETTLE RIVER, MN 55757-8647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Warranty Deed, Transfer · FHA Mortgage LEND SMART MORTGAGE
May 6, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Dec 12, 2007 · Amount on Record
Deed Document Number	2021502090
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	0000485668
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 5, 2021
Property Address	3932 MAIN ST, KETTLE RIVER, MN 55757-8647
Document Number	A000502090
Instrument Date	Aug 4, 2021
Instrument	A000502090
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3932 MAIN ST, KETTLE RIVER, MN 55757-8647

Mortgage

Document Number	A000502091
Date	Oct 5, 2021
Instrument	A000502091

Lender

Name	LEND SMART MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	May 6, 2019
Property Address	3932 MAIN ST, KETTLE RIVER, MN 55757-8647
Document Number	A000485668
Instrument Date	Mar 27, 2019
Instrument	A000485668
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3932 MAIN ST, KETTLE RIVER, MN 55757-8647

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
Municipality	Kettle River City
Unified School District	Moose Lake Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,800.00 (+1.97%) Homeowner's exemption
2025		$177,800 (+5.02%) Land $14,300 Building $163,500	$177,800 (+5.02%) Land $14,300 Building $163,500
2024	$2,746.00 Homeowner's exemption	$169,300 (+3.61%) Land $14,300 Building $155,000	$169,300 (+3.61%) Land $14,300 Building $155,000
2023	$2,746.00 Homeowner's exemption	$163,400 (-) Land $14,300 Building $149,100	$163,400 (-) Land $14,300 Building $149,100
2022		$163,400 Land $14,300 Building $149,100	$163,400 Land $14,300 Building $149,100

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 · 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	1 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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	Kettle River serves 168 people · EPA ID MN1090008
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2023–2025) 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 32 locations within half a mile, as of December 31, 2025

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

May also be available: GigFire.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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