10580 Three Oaks Ln, Champlin, MN 55316 Property Records

Hennepin County property record for 10580 Three Oaks Ln, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,848 sqft · built 2019
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Jan 2018)
Tax Bill	$9,596 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-120-22-31-0050`

Property Details

APN / Parcel Number

Primary APN	`24-120-22-31-0050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,848 sqft Living Area
Gross Area	4,616 sqft
1st Floor Area	1,311 sqft
2nd Floor Area	1,537 sqft
Basement Area	1,013 sqft
Flooring	Carpet

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	755 sqft
Porch	Open Porch
Deck Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	10580 THREE OAKS LN
City	CHAMPLIN
State	MN
Zip	55316-2642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 006 BLOCK 001 T RESERVE AT ELM CREEK IRREGULAR
Legal Range	22
Legal Township	120
Legal Section	24
Legal Quarter	31
Legal Subdivision	RESERVE AT ELM CREEK
Legal Block	1
Legal Lot Number	6
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	2
Census Block	2007
Census Tract	26903

Owner

Source: Hennepin County records, as of October 15, 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	10580 THREE OAKS LN, CHAMPLIN, MN 55316-2642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional with PMI CAMBRIA MTG
Oct 21, 2019	Loan Modification, Mortgage · Conventional with PMI AMERICAN MTG & EQUITY CNSLTS I
Jul 1, 2019	Deed of Trust, Mortgage · Conventional with PMI AMERICAN MTG & EQUITY CNSLTS I
Jan 22, 2018	Warranty Deed, Subdivision Related Transfer CUSTOM HOME BUILDERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2018 · Amount on Record
Deed Sale	Jan 22, 2018 · Amount on Record
Prior Sale	Jan 25, 2016 · Amount on Record
Deed Document Number	20185506666
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10580 THREE OAKS LN, CHAMPLIN, MN 55316-2642
Document Number	0005783688
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10580 THREE OAKS LN CHAMPLIN MN 553162642, CHAMPLIN, MN 55316-2642

Mortgage

Document Number	0005783688
Date	Dec 22, 2020
Instrument	5783688

Lender

Name	CAMBRIA MTG
Type	Mortgage Company
Address	EDEN PRAIRIE, MN 55344

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENNEPIN MN
Property Address	10580 THREE OAKS LN, CHAMPLIN, MN 55316-2642
Document Number	0005656228
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	CUSTOM HOME BUILDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10580 THREE OAKS LN CHAMPLIN MN 553162642, CHAMPLIN, MN 55316-2642

Mortgage

Document Number	0005656228
Date	Oct 24, 2019
Instrument	5656228

Lender

Name	AMERICAN MTG & EQUITY CNSLTS I
Type	Mortgage Company
Address	EDINA, MN 55439

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10580 THREE OAKS LN, CHAMPLIN, MN 55316-2642
Document Number	0005624527
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	CUSTOM HOME BUILDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10580 THREE OAKS LN CHAMPLIN MN 553162642, CHAMPLIN, MN 55316-2642

Mortgage

Document Number	0005624527
Date	Jul 1, 2019
Instrument	5624527

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jan 22, 2018
Property Address	10580 THREE OAKS LN, CHAMPLIN, MN 55316-2642
Document Number	0005506666
Instrument Date	Jan 19, 2018
Instrument	5506666
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Amount	Amount Recorded
Tax	$357.00
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	1601 N INNSBRUCK DR #267 FRIDLEY MN 554326022, 267, FRIDLEY, MN 55432-6022

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,596.00 (+24.08%)	$732,300 (+12.32%) Land $160,000 Building $572,300	$732,300 (+12.32%) Land $160,000 Building $572,300
2023	$7,734.00 Homeowner's exemption
2022		$652,000 Land $128,000 Building $524,000	$652,000 Land $128,000 Building $524,000

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 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	Champlin serves 23,919 people · EPA ID MN1270006
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) 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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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