76801 Stepan Rd, Willow River, MN 55795 Property Records

Pine County property record for 76801 Stepan Rd, Willow River, MN 55795

Property Summary

Property Type	Rural Home
Details	5 bd · 1.5 ba · 2,700 sqft · built 1976
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on File
Last Sale	$149,000 (Jun 2005)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.0223.000`

Property Details

APN / Parcel Number

Primary APN	`17.0223.000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,700 sqft Living Area
Gross Area	1,740 sqft
Flooring	Laminate Plank
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742,400 sqft (40 acres)
Garage Area	1,248 sqft
Driveway	Driveway
Driveway Area	3,772 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	612 sqft
Patio Area	258 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	76801 STEPAN RD
City	WILLOW RIVER
State	MN
Zip	55795-3040
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SECT-17 TWP-044 RANGE-020 40.00 AC SOUTHWEST 1/4 OF SOUTHEAST 1/4 MICRO #445379-380,534835, 550166 SOUTHEAST 1/4 MICRO
Legal Range	020
Legal Township	044
Legal Section	17
Jurisdiction	PINE MN
Township / Civil Division	KETTLE RIVER
Census Block Group	1
Census Block	1055
Census Tract	950200

Owner

Source: Pine County records · APN 17.0223.000

Assessment roll updated August 10, 2026 · Last verified August 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 File
Mailing Address	76801 STEPAN RD, WILLOW RIVER, MN 55795-3040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 28, 2005 · Amount on Record
Deed Sale	Jun 28, 2005 · Amount on Record
Deed Document Number	2005445380
Prior Transfer Date	Jun 22, 2005
Prior Transfer Doc	445379
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Recording Date	Jun 25, 2026
Property Address	76801 STEPAN RD, WILLOW RIVER, MN 55795-3040
Document Number	0000594810
Instrument Date	Jun 05, 2026
Instrument	2026594810
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76801 STEPAN RD, WILLOW RIVER, MN 55795-3040

Mortgage

Document Number	0000594810,
Date	Jun 25, 2026
Instrument	2026594810

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 20, 2041

Interest

Rate Type	Fixed Rate
Rate	5.72%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	76801 STEPAN RD, WILLOW RIVER, MN 55795-3040
Transaction Type	Mortgage
Record Updated	Jul 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	554236
Date	Jul 15, 2020
Instrument	554236

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Pine County records · Assessment roll updated August 10, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Pine County
County Subdivision	Kettle River Township
Unified School District	Willow River Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$439,100 (+9.28%) Land $114,600 Building $324,500	$439,100 (+9.28%) Land $114,600 Building $324,500
2025	$2,841.00 (-31.14%) Homeowner's exemption	$401,800 (-6.14%) Land $93,100 Building $308,700	$401,800 (-6.14%) Land $93,100 Building $308,700
2023	$4,126.00 Homeowner's exemption	$428,100 Land $78,300 Building $349,800	$428,100 Land $78,300 Building $349,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pine County (27115C), as of April 3, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271159502001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1997–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2016 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Fiber	1,000 / 1,000

Based on FCC filings for 3 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Stepan Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures