415 Cardinal St, Mora, MN 55051 Property Records

Kanabec County property record for 415 Cardinal St, Mora, MN 55051

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 2017
Lot Size	0.18 acres (7,860 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jun 2026)
Tax Bill	$3,600 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2025 Second Mortgage + 5 more
APN	`22-07595-00`

Property Details

APN / Parcel Number

Primary APN	`22-07595-00`
Alternative APN	`13008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Adjusted Area
1st Floor Area	1,200 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,860 sqft (0.18 acres)
Lot Dimensions	131 ft deep x 60 ft wide
Garage Area	480 sqft
Driveway	Driveway
Driveway Area	1 sqft
Porch	Open Porch
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	13008
Street Address	415 CARDINAL ST
City	MORA
State	MN
Zip	55051-6860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT-001 BLOCK-001
Legal Range	24
Legal Township	39
Legal Section	13
Legal Subdivision	FOX RUN SECOND ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANABEC MN
Township / Civil Division	MORA
Census Block Group	3
Census Block	3019
Census Tract	480300

Owner

415 Cardinal St is owned and occupied by an individual who bought it in June 2026.

Source: Kanabec County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	415 CARDINAL ST, MORA, MN 55051-6860
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
Jun 25, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Nov 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Mar 24, 2022	Warranty Deed, Transfer · FHA Mortgage LAKE AREA MORTGAGE
May 10, 2021	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE
Aug 3, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESERVICES LENDING LLC
Feb 21, 2017	Deed, Transfer
Feb 21, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on File
Deed Sale	Jun 25, 2026 · Amount on File
Prior Sale	Mar 24, 2022 · Amount on File
Deed Document Number	2026291551
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANABEC MN
Recording Date	Jun 25, 2026
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Document Number	0000291551
Instrument Date	Jun 24, 2026
Instrument	2026291551
Transaction Type	Transfer
Record Updated	Jul 8, 2026
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,991.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CARDINAL ST, MORA, MN 55051-6860
Investor	Possibly a Property Investor

Mortgage

Document Number	0000291552,
Date	Jun 25, 2026
Instrument	2026291552

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANABEC MN
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CARDINAL ST, MORA, MN 55051-6860

Mortgage

Document Number	0000289781
Date	Nov 25, 2025
Instrument	289781

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 20, 2035

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANABEC MN
Recording Date	Mar 24, 2022
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Document Number	0000278081
Instrument Date	Feb 18, 2022
Instrument	278081
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	ANCONA TTLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CARDINAL ST, MORA, MN 55051-6860

Mortgage

Document Number	0000278082
Date	Mar 24, 2022
Instrument	278082

Lender

Name	LAKE AREA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000278083
Date	Mar 24, 2022
Instrument	278083

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2032

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANABEC MN
Recording Date	May 10, 2021
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Document Number	274238
Instrument Date	Feb 17, 2021
Instrument	274238
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	TITLE WORKS, TITLE WERKS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$683.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CARDINAL ST, MORA, MN 55051-6860

Mortgage

Document Number	274239
Date	May 10, 2021
Instrument	274239

Lender

Name	SUMMIT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANABEC MN
Recording Date	Aug 3, 2018
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Document Number	263722
Instrument Date	Jun 28, 2018
Instrument	263722
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.17
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CARDINAL ST, MORA, MN 55051-6860

Mortgage

Document Number	263723
Date	Aug 3, 2018
Instrument	263723

Lender

Name	HOMESERVICES LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	KANABEC MN
Recording Date	Feb 21, 2017
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Document Number	258889
Instrument Date	Feb 17, 2017
Instrument	258889
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Tax	$15.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 90, MORA, MN 55051-0090
Investor	Possibly a Property Investor

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	KANABEC MN
Recording Date	Feb 21, 2017
Property Address	415 CARDINAL ST, MORA, MN 55051-6860
Document Number	258889
Instrument Date	Feb 17, 2017
Instrument	258889
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Amount	Amount on Record
Tax	$15.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 90, MORA, MN 55051-0090
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 415 Cardinal St was $3,600 with exemptions applied, down 11.4% from the year before.

Source: Kanabec County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Kanabec County
Municipality	Mora City
Unified School District	Mora Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,600.00 (-11.42%) Homeowner's exemption Senior Citizen's exemption	$258,300 (+8.21%) Land $32,700 Building $225,600	$258,300 (+8.21%) Land $32,700 Building $225,600
2025	$4,064.00 Homeowner's exemption	$238,700 Land $30,700 Building $208,000	$238,700 Land $30,700 Building $208,000
2023	$3,998.00	$257,300 Land $30,700 Building $226,600	$257,300 Land $30,700 Building $226,600

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

Flood

FEMA has no flood map on file for 415 Cardinal St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Wildfire risk around 415 Cardinal St is low, with a 0.02% annual chance of 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	0.02% 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	Mora serves 3,786 people · EPA ID MN1330001
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: ECE Fiber.

Nearby Properties on Cardinal St

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