10540 Beard Ave S, Bloomington (Minneapolis), MN 55431 Property Records

Hennepin County property record for 10540 Beard Ave S, Bloomington, MN 55431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 864 sqft · built 1953
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2017)
Tax Bill	$4,341 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-027-24-23-0032`

Property Details

APN / Parcel Number

Primary APN	`20-027-24-23-0032`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	3,283 sqft
1st Floor Area	864 sqft
Basement Area	2,419 sqft
Family Room	Family Room
Flooring	Wood

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1994
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	130 ft deep x 122 ft wide
Garage Type	Detached
Garage Area	576 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	10540 BEARD AVE S
City	MINNEAPOLIS
State	MN
Zip	55431-3524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T REG. LAND SURVEY NO. 0063 TRACT J 122 X 130
Legal Range	24
Legal Township	027
Legal Section	20
Legal Quarter	23
Legal Subdivision	REG. LAND SURVEY NO. 0063
Legal Tract	J
Legal Block	1
Jurisdiction	HENNEPIN MN
Township / Civil Division	BLOOMINGTON
Census Block Group	1
Census Block	1010
Census Tract	25803

Owner

10540 Beard Ave S is owned and occupied by two individuals who bought it in July 2017.

Source: Hennepin County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10540 BEARD AVE S, MINNEAPOLIS, MN 55431-3524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MY CREDIT UNION
Jul 31, 2017	Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG & EQUITY CNSLTS I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	Jun 13, 2011 · Amount on File
Deed Document Number	20175463183
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10540 BEARD AVE S, BLOOMINGTON, MN 55431-3524
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T05899855
Date	Nov 23, 2021
Instrument	T05899855

Lender

Name	MY CREDIT UNION
Type	Credit Union
Address	MINNEAPOLIS, MN 55420

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jul 31, 2017
Property Address	10540 BEARD AVE S, BLOOMINGTON, MN 55431-3524
Document Number	0005463183
Instrument Date	Jul 28, 2017
Instrument	5463183
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	TITLENEXUS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$918.00
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	10540 BEARD AVE S BLOOMINGTON MN 554313524, BLOOMINGTON, MN 55431-3524

Mortgage

Document Number	5463184
Date	Jul 31, 2017
Instrument	5463184

Lender

Name	AMERICAN MTG & EQUITY CNSLTS I
Type	Mortgage Company
Address	BLOOMINGTON, MN 55435

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10540 Beard Ave S was $4,341 with a homeowner's exemption.

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Bloomington City
Unified School District	Bloomington Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,341.00	$329,100 Land $125,700 Building $203,400	$329,100 Land $125,700 Building $203,400
2023	$3,828.00 Homeowner's exemption
2022		$331,500 Land $124,700 Building $206,800	$331,500 Land $124,700 Building $206,800

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

Flood

FEMA maps place 10540 Beard Ave S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 25, 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

Wildfire risk around 10540 Beard Ave S is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Bloomington serves 91,300 people · EPA ID MN1270001
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Intrepid Fiber Networks.

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