Kanabec County property record for 540 Clark St, Mora, MN 55051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,265 sqft · built 1960 |
| Lot Size | 0.544 acres (23,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $268,000 (Sep 2026) |
| Tax Bill | $3,370 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Nov 2021 Mortgage |
| APN | 22-02025-00 |
| Primary APN | 22-02025-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,265 sqft Adjusted Area |
| 1st Floor Area | 1,265 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,700 sqft (0.544 acres) |
| Lot Dimensions | 150 ft deep x 158 ft wide |
| Garage Area | 330 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 720 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Wood |
| Account Number | 8116 |
|---|---|
| Street Address | 540 CLARK ST |
| City | MORA |
| State | MN |
| Zip | 55051-1804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10, LOT 8 EX N 142', & S 8' OF LOT 9 |
| Legal Range | 24 |
| Legal Township | 39 |
| Legal Section | 14 |
| Legal Subdivision | AUD. SUBD. #9 |
| Legal Lot Number | 8-10 |
| Jurisdiction | KANABEC MN |
| Township / Civil Division | MORA |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 480300 |
540 Clark St is owned and occupied by two individuals who bought it in September 2026.
Source: Kanabec County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 CLARK ST, MORA, MN 55051-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2026 · Amount on File |
| Deed Sale | Sep 22, 2026 · Amount on File |
| Prior Sale | Jul 29, 2010 |
| Deed Document Number | 2026292451 |
| Prior Transfer Date | Jul 6, 2010 |
| Prior Transfer Doc | 236717 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANABEC MN |
| Recording Date | Sep 22, 2026 |
| Property Address | 540 CLARK ST, MORA, MN 55051-1804 |
| Document Number | 0000292451 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 2026292451 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $89,324.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 540 CLARK ST, MORA, MN 55051-1804 |
| Document Number | 0000292452, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 2026292452 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANABEC MN |
| Property Address | 540 CLARK ST, MORA, MN 55051-1804 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | EC TITLE SERVICES, CU TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 276606 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 276606 |
| Name | SPIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 540 Clark St was $3,370 with exemptions applied, up 5.6% from the year before.
Source: Kanabec County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Kanabec County |
| Municipality | Mora City |
| Unified School District | Mora Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,370.00 (+5.58%) Homeowner's exemption Senior Citizen's exemption | $225,100 (-0.27%) Land $43,600 Building $181,500 | $225,100 (-0.27%) Land $43,600 Building $181,500 |
| 2025 | $3,192.00 Homeowner's exemption | $225,700 Land $41,500 Building $184,200 | $225,700 Land $41,500 Building $184,200 |
| 2023 | $3,198.00 | $212,000 Land $41,500 Building $170,500 | $212,000 Land $41,500 Building $170,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 540 Clark St.
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.
Wildfire risk around 540 Clark St is low, with a 0.01% 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 | 0.01% 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 | Mora serves 3,786 people · EPA ID MN1330001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2021–2023) 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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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