4480 320th St, Stacy, MN 55079 Property Records

Chisago County property record for 4480 320th St, Stacy, MN 55079

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,568 sqft · built 1976
Lot Size	2.32 acres (101,059 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Jun 2018)
Tax Bill	$3,796 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-00580-00`

Property Details

APN / Parcel Number

Primary APN	`05-00580-00`
Alternative APNs	`3165579` `3360198` `3444395` `3975799`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Building Area	1,568 sqft Living Area
Gross Area	3,178 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1998
Exterior Material	Composition/Composite
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	101,059 sqft (2.32 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3975799
Street Address	4480 320TH ST
City	STACY
State	MN
Zip	55079-8601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SUBDIVISIONNAME COUNTRY OAKS LOT 006 BLOCK 003 SUBDIVISIONCD 05010
Legal Range	021
Legal Township	034
Legal Section	19
Legal Subdivision	COUNTRY OAKS
Legal Block	3
Legal Lot Number	6
Jurisdiction	CHISAGO MN
Township / Civil Division	STACY
Census Block Group	1
Census Block	1008
Census Tract	110402

Owner

4480 320th St is owned and occupied by an individual who bought it in June 2018.

Source: Chisago County records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	4480 320TH ST, STACY, MN 55079-8601
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	Sep 8, 2011 · Amount on File
Deed Document Number	2018610199
Record Updated	Jun 8, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Jun 29, 2018
Property Address	4480 320TH ST, STACY, MN 55079-8601
Document Number	000A610199
Instrument Date	Jun 28, 2018
Instrument	A-610199
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4480 320TH ST, STACY, MN 55079-8601

Mortgage

Document Number	000A610200
Date	Jun 29, 2018
Instrument	A-610200

Lender

Name	CAMBRIA FINANCIAL GROUP

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 4480 320th St was $3,796 with a homeowner's exemption, up 3.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
Municipality	Stacy City
Unified School District	North Branch Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,796.00 (+3.32%)
2025	$3,674.00 Homeowner's exemption
2024		$332,900 (-11.58%)	$348,100 (-8.3%)
2023	$3,986.00 (+4.24%) Homeowner's exemption	$376,500 (+7.39%)	$379,600 (+6.69%) Land $94,200 Building $285,400
2022	$3,824.00 (+8.39%) Homeowner's exemption	$350,600 (+30.09%)	$355,800 (+26.44%) Land $86,200 Building $269,600
2021	$3,528.00	$269,500	$281,400 Land $68,900 Building $212,500

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

Flood

FEMA maps place 4480 320th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 17, 2012 · 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	2 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

Wildfire risk around 4480 320th St is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 320th St

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