43320 Decker Ave, Harris, MN 55032 Property Records

Chisago County property record for 43320 Decker Ave, Harris, MN 55032

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1971
Lot Size	5.13 acres (223,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$124,000 (Aug 1998)
Tax Bill	$3,738 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`03-00363-00`

Property Details

APN / Parcel Number

Primary APN	`03-00363-00`
Alternative APNs	`3163559` `3358277` `3442713` `3973325`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,476 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	223,463 sqft (5.13 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3973325
Street Address	43320 DECKER AVE
City	HARRIS
State	MN
Zip	55032-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	PT LOT 7 DES AS FOL: BG AT W1/4 SEC COR OF SEC 25; TH S 0D 00' ALONG SEC LINE & W LINE OF LOT 7, 500.33 FT TO PT OF BG; TH S
Legal Range	022
Legal Township	036
Legal Section	25
Legal Lot Number	7,500
Jurisdiction	CHISAGO MN
Township / Civil Division	FISH LAKE
Census Block Group	3
Census Block	3050
Census Tract	110100

Owner

Source: Chisago County records, as of April 14, 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	43320 DECKER AVE, HARRIS, MN 55032-3432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage MINNCO CU
Feb 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS COOPERATIVE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 1998 · Amount on Record
Deed Sale	Aug 18, 1998 · Amount on Record
Deed Document Number	19981227
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	43320 DECKER AVE, HARRIS, MN 55032-3432
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A690170
Date	Jan 26, 2026
Instrument	A-690170

Lender

Name	MINNCO CU
Type	Credit Union
Address	CAMBRIDGE, MN 55008

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 25, 2031

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	43320 DECKER AVE, HARRIS, MN 55032-3432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A616985
Date	Feb 28, 2019
Instrument	A616985

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
County Subdivision	Fish Lake Township
Unified School District	North Branch Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,738.00 (-3.21%)
2025	$3,862.00 (+7.7%) Homeowner's exemption
2024		$333,900 (+0.06%)	$349,000 (+2.56%)
2023	$3,586.00 (-0.77%) Homeowner's exemption	$333,700 (+6.78%)	$340,300 (+6.05%) Land $86,500 Building $253,800
2022	$3,614.00 (-0.77%) Homeowner's exemption	$312,500 (+20.15%)	$320,900 (+17.63%) Land $79,300 Building $241,600
2021	$3,642.00	$260,100	$272,800 Land $64,300 Building $208,500

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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