81936 Toby Ln, Willow River, MN 55795 Property Records

Pine County property record for 81936 Toby Ln, Willow River, MN 55795

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,335 sqft · built 2019
Lot Size	8 acres (348,480 sqft)
Owner	Individual Name on File
Tax Bill	$2,588 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22.0009.000`

Property Details

APN / Parcel Number

Primary APN	`22.0009.000`

Interior

Bedrooms	3 Beds
Total Rooms	2 Rooms
Units	62 Units
Stories	2 Stories
Building Area	3,335 sqft Living Area
Gross Area	908 sqft
Flooring	Tile
Interior Walls	Plywood

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Galvanized Metal
Lot Area	348,480 sqft (8 acres)
Garage Area	1,468 sqft
Driveway	Driveway
Driveway Area	420 sqft

Exterior Amenities

Porch	Patio
Porch Area	168 sqft
Deck Area	80 sqft
Shed	1 Shed
Shed Area	32 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Convection

Location & Zoning

Street Address	81936 TOBY LN
City	WILLOW RIVER
State	MN
Zip	55795-3370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-01 TWP-044 RANGE-019 8.00 AC THAT PART OF EAST 1/2 OF SOUTHEAST 1/4 OF NORTHEAST 1/4 WHICH LIES SOUTH OF NORTH 1122 FT
Legal Range	019
Legal Township	044
Legal Section	01
Jurisdiction	PINE MN
Township / Civil Division	NORMAN
Census Block Group	1
Census Block	1093
Census Tract	950100

Owner

81936 Toby Ln is owned and occupied by an individual who acquired it in June 2024.

Source: Pine County records, as of August 10, 2026

Owner of Record	Individual Name on File
Mailing Address	81936 TOBY LN, WILLOW RIVER, MN 55795-3370
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage MINNCO CR
Aug 6, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MINNCO CREDIT UNION
Jun 6, 2024	Intrafamily Transfer, Transfer CARLTON COUNTY ABSTRACT AND TITLE, CARLTON COUNTY ABSTRACT & TI

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 5, 2024
Transfer Doc	0000582110
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	81936 TOBY LN, WILLOW RIVER, MN 55795-3370
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000568403
Date	Mar 10, 2022
Instrument	568403

Lender

Name	MINNCO CR
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2032

Interest

Rate Type	Fixed Rate

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINE MN
Recording Date	Aug 6, 2025
Property Address	81936 TOBY LN, WILLOW RIVER, MN 55795-3370
Document Number	000A589193
Instrument Date	Jul 28, 2025
Instrument	A589193
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	RESULTS TITLE

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	81936 TOBY LN, WILLOW RIVER, MN 55795-3370

Mortgage

Document Number	000A589194
Date	Aug 6, 2025
Instrument	A589194

Lender

Name	MINNCO CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

June 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINE MN
Recording Date	Jun 6, 2024
Property Address	81936 TOBY LN, WILLOW RIVER, MN 55795-3370
Document Number	0000582110
Instrument Date	Jun 5, 2024
Instrument	582110
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON COUNTY ABSTRACT & TI

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81936 TOBY LN, WILLOW RIVER, MN 55795-3370

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	81936 TOBY LN, WILLOW RIVER, MN 55795-3370

Tax Assessment & Valuation

The 2025 property tax bill for 81936 Toby Ln was $2,588 with a homeowner's exemption, up 4.5% from the year before.

Source: Pine County assessment roll, as of August 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$366,300 (+2.09%) Land $66,800 Building $299,500	$366,300 (+2.09%) Land $66,800 Building $299,500
2025	$2,588.00 (+4.52%) Homeowner's exemption	$358,800 Land $56,800 Building $302,000	$358,800 Land $56,800 Building $302,000
2024	$2,476.00 (+102.62%)
2023	$1,222.00 Homeowner's exemption	$336,300 Land $42,500 Building $293,800	$336,300 Land $42,500 Building $293,800

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

Flood

FEMA maps place 81936 Toby Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective April 3, 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 Claims	2 (2014–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2016 · river or lake flooding

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

Wildfire risk around 81936 Toby Ln is low, with a 0.02% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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