46875 Cedarcrest Trl, Harris, MN 55032 Property Records

Chisago County property record for 46875 Cedarcrest Trl, Harris, MN 55032

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 945 sqft · built 1901
Lot Size	20.8 acres (906,048 sqft)
Owner	Individual Name on File
Last Sale	$291,000 (Sep 2020)
Tax Bill	$3,668 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00135-00`

Property Details

APN / Parcel Number

Primary APN	`03-00135-00`
Alternative APNs	`3164067` `3358489` `3442781` `3973153`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	945 sqft Living Area
Gross Area	954 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2005
Architectural Style	Other
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	906,048 sqft (20.8 acres)
Garage Area	630 sqft
Pole Barn	1,740 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3973153
Street Address	46875 CEDARCREST TRL
City	HARRIS
State	MN
Zip	55032-3733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	NW 1/4 OF NW 1/4. EXCEPT THAT PT OF NW 1/4 OF NW 1/4 LYG W'LY OF C/L OF CEDARCREST TRAIL (AKA CSAH NO.8). EXCEPT THAT PT OF
Legal Range	022
Legal Township	036
Legal Section	11
Jurisdiction	CHISAGO MN
Township / Civil Division	FISH LAKE
Census Block Group	3
Census Block	3015
Census Tract	110100

Owner

46875 Cedarcrest Trl is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	46875 CEDARCREST TRL, HARRIS, MN 55032-3733
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
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit GRANITE COMMUNITY BANK
Oct 16, 2018	Personal Representative Deed, Transfer NORTHVIEW BANK
Oct 17, 2018	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Prior Sale	Oct 17, 2018
Prior Transfer Date	Feb 15, 2008
Prior Transfer Doc	09133
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	46875 CEDARCREST TRL, HARRIS, MN 55032-3733
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46875 CEDARCREST TRL, HARRIS, MN 55032-3733

Mortgage

Document Number	000A690266
Date	Jan 29, 2026
Instrument	A-690266

Lender

Name	GRANITE COMMUNITY BANK
Type	Bank
Address	COLD SPRING, MN 56320

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	113 Months
Due	Jun 26, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHISAGO MN
Recording Date	Oct 16, 2018
Property Address	46875 CEDARCREST TRL, HARRIS, MN 55032-3733
Document Number	A613586
Instrument Date	Sep 20, 2018
Instrument	A-613586
Transaction Type	Transfer
Record Updated	Oct 8, 2021

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	46875 CEDARCREST TRL, HARRIS, MN 55032-3733

Mortgage

Document Number	A613587
Date	Oct 16, 2018
Instrument	A-613587

Lender

Name	NORTHVIEW BANK
Type	Bank

Agreement

Amount	Amount on Record

October 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHISAGO MN
Recording Date	Oct 17, 2018
Property Address	46875 CEDARCREST TRL, HARRIS, MN 55032-3733
Document Number	A613596
Instrument Date	Sep 20, 2018
Instrument	A-613596
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2400 CRESTVIEW RD, HARRIS, MN 55032-3715

Tax Assessment & Valuation

The 2026 property tax bill for 46875 Cedarcrest Trl was $3,668 with a homeowner's exemption, down 1.1% 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	$3,668.00 (-1.13%)
2025	$3,710.00 Homeowner's exemption
2024		$302,100 (-1.05%)	$321,300 (+1.77%)
2023	$3,562.00 (+1.95%) Homeowner's exemption	$305,300 (+8.38%)	$315,700 (+7.42%) Land $122,000 Building $193,700
2022	$3,494.00 (-2.13%) Homeowner's exemption	$281,700 (+22.11%)	$293,900 (+19.57%) Land $109,800 Building $184,100
2021	$3,570.00	$230,700	$245,800 Land $89,800 Building $156,000

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

Flood

FEMA maps place 46875 Cedarcrest Trl in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 46875 Cedarcrest Trl is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 72% of Minnesota
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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