10674 Three Oaks Ln, Champlin, MN 55316 Property Records

Hennepin County property record for 10674 Three Oaks Ln, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,130 sqft · built 2015
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Feb 2017)
Tax Bill	$10,561 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-120-22-31-0046`

Property Details

APN / Parcel Number

Primary APN	`24-120-22-31-0046`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,130 sqft Living Area
Gross Area	5,128 sqft
1st Floor Area	1,930 sqft
2nd Floor Area	1,200 sqft
Basement Area	1,138 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Depth	175 ft Depth
Garage Type	Attached
Garage Area	860 sqft
Porch	Open Porch
Porch Area	156 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	10674 THREE OAKS LN
City	CHAMPLIN
State	MN
Zip	55316-2640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLOCK 001 T RESERVE AT ELM CREEK S65X175X84X174
Legal Range	22
Legal Township	120
Legal Section	24
Legal Quarter	31
Legal Subdivision	RESERVE AT ELM CREEK
Legal Block	1
Legal Lot Number	2
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	2
Census Block	2007
Census Tract	26903

Owner

10674 Three Oaks Ln is owned and occupied by two individuals who acquired it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10674 THREE OAKS LN, CHAMPLIN, MN 55316-2640
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
Dec 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Feb 16, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2017 · Amount on File
Deed Sale	Feb 16, 2017 · Amount on File
Prior Sale	Nov 3, 2015 · Amount on File
Deed Document Number	20175423407
Last Transfer Date	Sep 22, 2021
Transfer Doc	0005904215
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Dec 8, 2021
Property Address	10674 THREE OAKS LN, CHAMPLIN, MN 55316-2640
Document Number	0T05904215
Instrument Date	Sep 22, 2021
Instrument	T05904215
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TTL INS CO MTG S

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10674 THREE OAKS LN, CHAMPLIN, MN 55316-2640

Mortgage

Document Number	0T05904216
Date	Dec 8, 2021
Instrument	T05904216

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10674 THREE OAKS LN, CHAMPLIN, MN 55316-2640
Document Number	0005787866
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10674 THREE OAKS LN CHAMPLIN MN 553162640, CHAMPLIN, MN 55316-2640

Mortgage

Document Number	0005787866
Date	Jan 5, 2021
Instrument	5787866

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2051

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Feb 16, 2017
Property Address	10674 THREE OAKS LN, CHAMPLIN, MN 55316-2640
Document Number	0005423407
Instrument Date	Feb 16, 2017
Instrument	5423407
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	TWIN CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10674 THREE OAKS LN CHAMPLIN MN 553162640, CHAMPLIN, MN 55316-2640

Mortgage

Document Number	5423408
Date	Feb 16, 2017
Instrument	5423408

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10674 Three Oaks Ln was $10,561.

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	$10,561.00	$797,100 Land $160,000 Building $637,100	$797,100 Land $160,000 Building $637,100
2023	$7,993.00 Homeowner's exemption
2022		$671,000 Land $128,000 Building $543,000	$671,000 Land $128,000 Building $543,000

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

Flood

FEMA maps place 10674 Three Oaks Ln 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	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

Wildfire risk around 10674 Three Oaks 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.

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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Gateway Fiber, Xtratyme Technologies.

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