Beltrami County property record for 522 Kay Ave SE, Bemidji, MN 56601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 1976 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,900 (Jan 2018) |
| Tax Bill | $2,275 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jan 2018 Sale & Mortgage |
| APN | 80.04348.00 |
| Primary APN | 80.04348.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Building Area | 1,104 sqft Living Area |
| Basement Area | 660 sqft |
| Finished Basement | 660 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 181 ft deep x 90 ft wide |
| Garage Area | 322 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|
| Street Address | 522 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- 8 BLOCK- 1 |
| Legal Range | 33 |
| Legal Township | 146 |
| Legal Section | 15 |
| Legal Subdivision | STANDARD LUMBER COMPANY |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 182, BEMIDJI, MN 56619-0182 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF BEMIDJI |
| Jan 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2018 · Amount on Record |
| Deed Sale | Jan 26, 2018 · Amount on Record |
| Prior Sale | Aug 19, 2014 · Amount on Record |
| Deed Document Number | 2018569828 |
| Prior Transfer Date | Jul 18, 2007 |
| Prior Transfer Doc | 0000476370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELTRAMI MN |
| Property Address | 522 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000589689 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | A000589689 |
| Name | THE FIRST NATIONAL BANK OF BEMIDJI |
|---|---|
| Type | Bank |
| Address | BEMIDJI, MN 56619 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BELTRAMI MN |
| Recording Date | Jan 26, 2018 |
| Property Address | 522 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Document Number | A000569828 |
| Instrument Date | Jan 24, 2018 |
| Instrument | A000569828 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | SATHRE TITLE AND ABSTRACT INC, SATHRE TITLE & ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $461.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 522 KAY AVE SE, BEMIDJI, MN 56601-3637 |
| Document Number | A000569829 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | A000569829 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2048 |
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 | $2,275.00 (-4.13%) | $211,300 (-) Land $14,500 Building $196,800 | $211,300 (-) Land $14,500 Building $196,800 |
| 2025 | $2,373.00 (+20.82%) Homeowner's exemption | $211,300 (+3.02%) Land $14,500 Building $196,800 | $211,300 (+3.02%) Land $14,500 Building $196,800 |
| 2023 | $205,100 Land $14,500 Building $190,600 | $205,100 Land $14,500 Building $190,600 | |
| 2021 | $1,964.00 |
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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