10629 James Cir, Bloomington (Minneapolis), MN 55431 Property Records

Hennepin County property record for 10629 James Cir, Bloomington, MN 55431

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,915 sqft · built 1974
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Sep 2017)
Tax Bill	$6,983 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-027-24-31-0027`

Property Details

APN / Parcel Number

Primary APN	`21-027-24-31-0027`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,915 sqft Living Area
Gross Area	5,724 sqft
1st Floor Area	1,915 sqft
Basement Area	3,809 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1993
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	402 sqft
Deck Area	435 sqft
Patio Area	435 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10629 JAMES CIR
City	MINNEAPOLIS
State	MN
Zip	55431-4157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 015 BLOCK 002 A NINE MILE BLUFF IRREGULAR
Legal Range	24
Legal Township	027
Legal Section	21
Legal Quarter	31
Legal Subdivision	NINE MILE BLUFF
Legal Block	2
Legal Lot Number	15
Jurisdiction	HENNEPIN MN
Township / Civil Division	BLOOMINGTON
Census Block Group	2
Census Block	2008
Census Tract	25801

Owner

Source: Hennepin County records, as of June 24, 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	10629 JAMES CIR, MINNEAPOLIS, MN 55431-4157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 10, 2020	Deed of Trust, Mortgage · VA Mortgage SEBONIC FIN'L
Sep 12, 2017	Warranty Deed, Transfer · VA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2017 · Amount on Record
Deed Sale	Sep 12, 2017 · Amount on Record
Deed Document Number	201710482957
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10629 JAMES CIR, BLOOMINGTON, MN 55431-4157
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A11003526
Date	Aug 16, 2021
Instrument	A11003526

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10629 JAMES CIR, BLOOMINGTON, MN 55431-4157
Document Number	0010817202
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10629 JAMES CIR BLOOMINGTON MN 554314157, BLOOMINGTON, MN 55431-4157

Mortgage

Document Number	0010817202
Date	Jul 28, 2020
Instrument	10817202

Lender

Name	SEBONIC FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 12, 2017
Property Address	10629 JAMES CIR, BLOOMINGTON, MN 55431-4157
Document Number	0010482957
Instrument Date	Aug 25, 2017
Instrument	10482957
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	ON-SITE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,292.00
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	10629 JAMES CIR BLOOMINGTON MN 554314157, BLOOMINGTON, MN 55431-4157

Mortgage

Document Number	10482958
Date	Sep 12, 2017
Instrument	10482958

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2047

Tax Assessment & Valuation

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	$6,983.00 (+20.25%)	$505,700 (+2.49%) Land $186,700 Building $319,000	$505,700 (+2.49%) Land $186,700 Building $319,000
2023	$5,807.00 Homeowner's exemption
2022		$493,400 Land $164,400 Building $329,000	$493,400 Land $164,400 Building $329,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · other causes

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 80% of the US · lower than 60% 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	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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Intrepid Fiber Networks, Xtratyme Technologies.

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