Beltrami County property record for 512 Kay Ave SE, Bemidji, MN 56601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,912 sqft · built 1974 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,900 (Apr 2020) |
| Tax Bill | $4,327 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage May 2021 Mortgage + 1 more |
| APN | 80.04350.00 |
| Primary APN | 80.04350.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Building Area | 1,912 sqft Living Area |
| Basement Area | 720 sqft |
| Finished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 198 ft deep x 78 ft wide |
| Garage Area | 1,872 sqft |
| Deck Area | 1 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|
| Street Address | 512 KAY AVE SE |
|---|---|
| City | BEMIDJI |
| State | MN |
| Zip | 56601-3637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-15 TWP-146 RANGE- 33 STANDARD LUMBER COMPANY LOT- 9 BLOCK- 1 |
| Legal Range | 33 |
| Legal Township | 146 |
| Legal Section | 15 |
| Legal Subdivision | STANDARD LUMBER COMPANY |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | BELTRAMI MN |
| Township / Civil Division | BEMIDJI |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 450706 |
Source: Beltrami County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 512 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Apr 7, 2020 | Warranty Deed, Transfer · FHA Mortgage BELL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2020 · Amount on Record |
| Deed Sale | Apr 7, 2020 · Amount on Record |
| Deed Document Number | 2020587668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELTRAMI MN |
| Property Address | 512 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 512 KAY AVEGE, BEMIDJI, MN 56601 |
| Document Number | A000620734 |
|---|---|
| Date | Feb 23, 2024 |
| Instrument | A000620734 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELTRAMI MN |
| Property Address | 512 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000598764 |
|---|---|
| Date | May 12, 2021 |
| Instrument | A000598764 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BELTRAMI MN |
| Recording Date | Apr 7, 2020 |
| Property Address | 512 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Document Number | A000587668 |
| Instrument Date | Apr 3, 2020 |
| Instrument | A000587668 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2023 |
| Title Company | SATHRE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $659.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 512 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Document Number | A000587669 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | A000587669 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Number | A000587670 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | A000587670 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Beltrami County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Beltrami County |
| Municipality | Bemidji City |
| Unified School District | Bemidji Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,327.00 (+2.58%) | $356,700 (-) Land $14,700 Building $342,000 | $356,700 (-) Land $14,700 Building $342,000 |
| 2025 | $4,218.00 (+13.14%) Homeowner's exemption | $356,700 (+3.12%) Land $14,700 Building $342,000 | $356,700 (+3.12%) Land $14,700 Building $342,000 |
| 2023 | $345,900 Land $14,700 Building $331,200 | $345,900 Land $14,700 Building $331,200 | |
| 2021 | $3,728.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Bemidji serves 15,147 people · EPA ID MN1040002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Paul Bunyan Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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