Hennepin County property record for 1038 Lake St E, Wayzata, MN 55391
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.75 ba · 4,076 sqft · built 2024 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,700,000 (Nov 2025) |
| Tax Bill | $47,241 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Nov 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-117-22-44-0030 |
| Primary APN | 06-117-22-44-0030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.75 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,076 sqft Living Area |
| Gross Area | 5,805 sqft |
| 1st Floor Area | 2,161 sqft |
| Basement Area | 1,729 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 14,810 sqft (0.34 acres) |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 1038 LAKE ST E |
|---|---|
| City | WAYZATA |
| State | MN |
| Zip | 55391-1828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 002 BLOCK 001 A BLACK DOG HOMES ADDN NE100X146X100X147 |
| Legal Range | 22 |
| Legal Township | 117 |
| Legal Section | 06 |
| Legal Quarter | 44 |
| Legal Subdivision | BLACK DOG HOMES ADDN |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | WAYZATA |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 27300 |
1038 Lake St E is owned and occupied by two individuals who bought it in November 2025.
Source: Hennepin County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1038 LAKE ST E, WAYZATA, MN 55391-1828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 29, 2025 | Deed of Trust, Mortgage · Line of Credit BRIDGEWATER BANK |
| Nov 18, 2025 | Warranty Deed, Subdivision Related Transfer CBD TITLE LLC, CHB TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2025 · Amount on File |
| Deed Sale | Nov 18, 2025 · Amount on File |
| Deed Document Number | 202511419747 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 1038 LAKE ST E, WAYZATA, MN 55391-1828 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0A11389551 |
|---|---|
| Date | Jul 29, 2025 |
| Instrument | A11389551 |
| Name | BRIDGEWATER BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55416 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Jan 28, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Nov 18, 2025 |
| Property Address | 1038 LAKE ST E, WAYZATA, MN 55391-1828 |
| Document Number | 0A11419747 |
| Instrument Date | Nov 17, 2025 |
| Instrument | A11419747 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2026 |
| Title Company | CBD TITLE LLC, CHB TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $12,210.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1038 LAKE ST E, WAYZATA, MN 55391-1828 |
The 2025 property tax bill for 1038 Lake St E was $47,241.
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Wayzata City |
| Unified School District | Wayzata Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $47,241.00 | $3,672,200 Land $1,800,000 Building $1,872,200 | $3,672,200 Land $1,800,000 Building $1,872,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1038 Lake St E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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 risk around 1038 Lake St E is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Wayzata serves 4,592 people · EPA ID MN1270054 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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