7705 470th St, Harris, MN 55032 Property Records

Chisago County property record for 7705 470th St, Harris, MN 55032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,250 sqft · built 2020
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$667,000 (May 2024)
Tax Bill	$6,888 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00506-00`

Property Details

APN / Parcel Number

Primary APN	`09-00506-00`
Alternative APNs	`3168661` `3363132` `3447765` `3978422`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,250 sqft Living Area
Gross Area	4,468 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2022
Architectural Style	Ranch
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3978422
Street Address	7705 470TH ST
City	HARRIS
State	MN
Zip	55032-3001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	E 659 FT OF N 1/2 OF NE 1/4 OF NW 1/4
Legal Range	021
Legal Township	036
Legal Section	10
Jurisdiction	CHISAGO MN
Township / Civil Division	SUNRISE
Census Block Group	3
Census Block	3010
Census Tract	110202

Owner

Source: Chisago County records, as of September 30, 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	7705 470TH ST, HARRIS, MN 55032-3001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2024 · Amount on Record
Deed Sale	May 8, 2024 · Amount on Record
Prior Sale	Sep 2, 2016 · Amount on Record
Deed Document Number	20241644989
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Recording Date	Sep 10, 2026
Property Address	7705 470TH ST, HARRIS, MN 55032-3001
Document Number	0000696148
Instrument Date	Sep 2, 2026
Instrument	2026696148
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7705 470TH ST, HARRIS, MN 55032-3001

Mortgage

Document Number	0000696148,
Date	Sep 10, 2026
Instrument	2026696148

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHISAGO MN
Property Address	7705 470TH ST, HARRIS, MN 55032-3001
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	NORTH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7705 470TH ST, HARRIS, MN 55032-3001

Mortgage

Document Number	000A688280
Date	Nov 5, 2025
Instrument	A-688280

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Max Rate	11.1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Chisago County
County Subdivision	Sunrise Township
Unified School District	Rush City Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,888.00 (-20.09%)
2025	$8,620.00 (+5.05%) Homeowner's exemption
2024		$735,500 (+5.15%)	$735,500 (+5.15%)
2023	$8,206.00 (+6.82%)	$699,500 (+12.51%) Land $90,300 Building $609,200	$699,500 (+12.51%) Land $90,300 Building $609,200
2022	$7,682.00 (-1.66%)	$621,700 (+24.59%) Land $100,700 Building $521,000	$621,700 (+24.59%) Land $100,700 Building $521,000
2021	$7,812.00	$499,000	$499,000 Land $74,400 Building $424,600

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

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	0.03% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: ECE Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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