6312 Stark Rd, Harris, MN 55032 Property Records

Chisago County property record for 6312 Stark Rd, Harris, MN 55032

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,157 sqft · built 1997
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jul 2026)
Tax Bill	$3,558 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`14-00417-10`

Property Details

APN / Parcel Number

Primary APN	`14-00417-10`
Alternative APNs	`3180420` `3375524` `3459157` `3990106`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,157 sqft Living Area
Gross Area	2,901 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Area	1,157 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3990106
Street Address	6312 STARK RD
City	HARRIS
State	MN
Zip	55032-3341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SUBDIVISIONNAME STARKS' SECOND ADDITION TO HARRIS LOT 009 BLOCK 007 SUBDIVISIONCD 14021
Legal Range	021
Legal Township	036
Legal Section	28
Legal Subdivision	STARKS SECOND ADDITION TO HARRIS
Legal Block	7
Legal Lot Number	9
Jurisdiction	CHISAGO MN
Township / Civil Division	HARRIS
Census Block Group	2
Census Block	2024
Census Tract	110202

Owner

Source: Chisago County records, as of October 19, 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	6312 STARK RD, HARRIS, MN 55032-3341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jun 17, 2026	Warranty Deed, Construction Loan · Construction Mortgage ANCHOR NATIONWIDE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Jun 17, 2026 · Amount on Record
Deed Document Number	2026694480
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Jul 14, 2026
Property Address	6312 STARK RD, HARRIS, MN 55032-3341
Document Number	0000694480
Instrument Date	Jul 10, 2026
Instrument	2026694480
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	MB TITLE SOLUTIONS LLC, MN TITLE SOLUTIONS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,659.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6312 STARK RD, HARRIS, MN 55032-3341

Mortgage

Document Number	0000694481,
Date	Jul 14, 2026
Instrument	2026694481

Lender

Name	EVERETT FINANCIAL INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000694482,
Date	Jul 14, 2026
Instrument	2026694482

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHISAGO MN
Recording Date	Jun 17, 2026
Property Address	6312 STARK RD, HARRIS, MN 55032-3341
Document Number	0000693798
Instrument Date	Jun 5, 2026
Instrument	2026693798
Transaction Type	Construction Loan
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$58,660.80
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

Mortgage

Document Number	0000693799,
Date	Jun 17, 2026
Instrument	2026693799

Lender

Name	ANCHOR NATIONWIDE LOANS LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2027

Interest

Rate	7.75%
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	Harris City
Unified School District	North Branch Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,558.00 (+4.71%)
2025	$3,398.00 (-3.14%) Homeowner's exemption
2024		$269,400 (-8.74%)	$289,900 (-4.95%)
2023	$3,508.00 (+0.98%) Homeowner's exemption	$295,200 (+6.46%)	$305,000 (+5.68%) Land $58,500 Building $246,500
2022	$3,474.00 (+5.72%) Homeowner's exemption	$277,300 (+25.87%)	$288,600 (+22.13%) Land $55,800 Building $232,800
2021	$3,286.00	$220,300	$236,300 Land $45,000 Building $191,300

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Harris serves 400 people · EPA ID MN1130005
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ECE Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, GigFire, Midco.

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