7675 Kaunonen Lake Rd, Embarrass, MN 55732 Property Records

St. Louis County property record for 7675 Kaunonen Lake Rd, Embarrass, MN 55732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 900 sqft · built 1982
Lot Size	39.4 acres (1,717,571 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Aug 2026)
Tax Bill	$356 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`565-0010-02410`

Property Details

APN / Parcel Number

Primary APN	`565-0010-02410`
Alternative APNs	`1085414` `1138787` `1164555` `1190468`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	900 sqft Gross Area
1st Floor Area	900 sqft
Basement Area	740 sqft
Finished Basement	740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	1,717,571 sqft (39.4 acres)
Garage Area	784 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1190468
Street Address	7675 KAUNONEN LAKE RD
City	EMBARRASS
State	MN
Zip	55732-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SE1/4 OF SE1/4, EXCEPT THAT PART OF SE1/4 OFSE1/4, DESCRIBED AS FOLLOWS: COMMENCING AT APOINT 33 FEET NORTH AND 33 FEET WEST
Legal Range	14W
Legal Township	60N
Legal Section	15
Legal Subdivision	WAASA TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	WAASA
Census Block Group	1
Census Block	1022
Census Tract	13900

Owner

Source: St. Louis County records, as of September 4, 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	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 24, 2026	Quit Claim Deed, Transfer NORTHEAST TITLE COMPANY, NORTHEAST TITLE
Nov 7, 2025	Quit Claim Deed, Transfer Quitclaim
Apr 12, 2024	Transfer on Death Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 10, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTONE FARM CREDIT SVC(S)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2026 · Amount on Record
Deed Sale	Aug 24, 2026 · Amount on Record
Prior Sale	Nov 7, 2025 · Amount on Record
Deed Document Number	20261538981
Prior Transfer Date	Jul 16, 2026
Prior Transfer Doc	0001538980
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2026
Property Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111
Document Number	0001538981
Instrument Date	Aug 21, 2026
Instrument	20261538981
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$96,657.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111

Mortgage

Document Number	0001538982,
Date	Aug 24, 2026
Instrument	20261538982

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

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

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2026
Property Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111
Document Number	0001538980
Instrument Date	Jul 16, 2026
Instrument	20261538980
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE

Transaction

Amount	Amount Recorded
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 7, 2025
Property Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111
Document Number	0001521947
Instrument Date	Oct 27, 2025
Instrument	1521947
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 12, 2024
Property Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111
Document Number	0001485989
Instrument Date	Apr 2, 2024
Instrument	1485989
Transaction Type	Transfer
Record Updated	May 6, 2024
Title Company	ALL AMERICAN TITLE CO LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111

Mortgage

Document Number	0001485990
Date	Apr 12, 2024
Instrument	1485990

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 10, 2020
Property Address	7675 KAUNONEN LAKE RD, EMBARRASS, MN 55732-8111
Document Number	00A1373165
Instrument Date	Oct 17, 2019
Instrument	A1373165
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY'S TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7675 KAUNONEN LAKE RD EMBARRASS MN 557328111, EMBARRASS, MN 55732-8111

Mortgage

Document Number	A1373166
Date	Feb 10, 2020
Instrument	A1373166

Lender

Name	GREENSTONE FARM CREDIT SVC(S)
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Waasa Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$356.00 (-79.52%) Homeowner's exemption
2025	$1,738.00 (+11.98%)	$224,200 (+19.13%) Land $61,200 Building $163,000	$224,200 (+19.13%) Land $61,200 Building $163,000
2024	$1,552.00	$188,200 (+26.73%) Land $62,800 Building $125,400	$188,200 (+26.73%) Land $62,800 Building $125,400
2022		$148,500 Land $53,300 Building $95,200	$148,500 Land $53,300 Building $95,200

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 March 24, 2025

FEMA Flood Zone	Zone X minimal risk
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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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