46708 Beach Rd, Harris, MN 55032 Property Records

Chisago County property record for 46708 Beach Rd, Harris, MN 55032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,784 sqft · built 1982
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,000 (2026)
Deeds & Mortgages	May 2026 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-01155-00`

Property Details

APN / Parcel Number

Primary APN	`03-01155-00`
Alternative APNs	`3163942` `3358897` `3442593` `3973223`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	3,056 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	185 ft deep x 75 ft wide
Garage Area	1,624 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3973223
Street Address	46708 BEACH RD
City	HARRIS
State	MN
Zip	55032-3800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	SUBDIVISIONNAME HILDING BEACH LOT 004 BLOCK 001 SUBDIVISIONCD 03060
Legal Range	022
Legal Township	036
Legal Section	10
Legal Subdivision	HILDING BEACH
Legal Block	1
Legal Lot Number	4
Jurisdiction	CHISAGO MN
Township / Civil Division	FISH LAKE
Census Block Group	3
Census Block	3023
Census Tract	110100

Owner

46708 Beach Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	46708 BEACH RD, HARRIS, MN 55032-3800
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
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE
Jan 23, 2018	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

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

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Recording Date	May 12, 2026
Property Address	46708 BEACH RD, HARRIS, MN 55032-3800
Document Number	0000692813
Instrument Date	May 1, 2026
Instrument	2026692813
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46708 BEACH RD, HARRIS, MN 55032-3800

Mortgage

Document Number	0000692813,
Date	May 12, 2026
Instrument	2026692813

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	46708 BEACH RD, HARRIS, MN 55032-3800
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A606227
Date	Jan 23, 2018
Instrument	A-606227

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 46708 Beach Rd was $5,000 with a homeowner's exemption, down 4.9% from the year before.

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	Rush City Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,000.00 (-4.94%)
2025	$5,260.00 Homeowner's exemption
2024		$426,900 (-6.42%)	$429,000 (-5.96%)
2023	$5,364.00 (+2.84%) Homeowner's exemption	$456,200 (+9.01%) Land $198,500 Building $257,700	$456,200 (+9.01%) Land $198,500 Building $257,700
2022	$5,216.00 (+9.76%) Homeowner's exemption	$418,500 (+35%) Land $174,600 Building $243,900	$418,500 (+33.03%) Land $174,600 Building $243,900
2021	$4,752.00	$310,000	$314,600 Land $118,900 Building $195,700

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

Flood

FEMA maps place 46708 Beach Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 46708 Beach Rd 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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.02% 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 24 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
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Beach Rd

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