5475 320th St, Stacy, MN 55079 Property Records

Chisago County property record for 5475 320th St, Stacy, MN 55079

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 2,066 sqft · built 1920
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (May 2026)
Tax Bill	$3,654 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-00446-00`

Property Details

APN / Parcel Number

Primary APN	`05-00446-00`
Alternative APNs	`3165904` `3360104` `3444907` `3975474`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,066 sqft Living Area
Gross Area	2,073 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1978
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	435,600 sqft (10 acres)
Garage Area	1,755 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3975474
Street Address	5475 320TH ST
City	STACY
State	MN
Zip	55079-9227
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Description	N 660 FT OF NW1/4 OF NW1/4; EXCEPT E 330 FT OF N 660 FT; ALSO EXCEPT THE W 330 FT OF THE N 660 FT THEREOF.
Legal Range	021
Legal Township	034
Legal Section	29
Jurisdiction	CHISAGO MN
Township / Civil Division	STACY
Census Block Group	2
Census Block	2008
Census Tract	110402

Owner

Source: Chisago County records, as of June 26, 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	5475 320TH ST, STACY, MN 55079-9227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Jul 31, 2024 · Amount on Record
Deed Document Number	2026692677
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	May 6, 2026
Property Address	5475 320TH ST, STACY, MN 55079-9227
Document Number	0000692677
Instrument Date	Apr 22, 2026
Instrument	2026.692677
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5475 320TH ST, STACY, MN 55079-9227

Mortgage

Document Number	0000692678,
Date	May 6, 2026
Instrument	2026.692678

Lender

Name	MINNCO CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Chisago County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
Municipality	Stacy City
Unified School District	North Branch Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,654.00 (+27.49%)
2025	$2,866.00 (-8.08%) Homeowner's exemption
2024		$290,200 (-28.31%)	$311,600 (-25.15%)
2023	$3,118.00 (+1.56%) Homeowner's exemption	$404,800 (+4.22%)	$416,300 (+3.84%) Land $205,700 Building $210,600
2022	$3,070.00	$388,400	$400,900 Land $200,300 Building $200,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 17, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · above 66% of Minnesota
Wildfire Likelihood	0.04% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	1,250 / 60
Starlink Satellite	280 / 30

May also be available: GigFire, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 320th St

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