10809 Girard Cir S, Bloomington (Minneapolis), MN 55431 Property Records

Hennepin County property record for 10809 Girard Cir S, Bloomington, MN 55431

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,520 sqft · built 1976
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jun 2018)
Tax Bill	$6,634 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-027-24-43-0017`

Property Details

APN / Parcel Number

Primary APN	`21-027-24-43-0017`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	4,875 sqft
1st Floor Area	1,520 sqft
Basement Area	3,355 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1994
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	122 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	691 sqft
Deck Area	480 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10809 GIRARD CIR S
City	MINNEAPOLIS
State	MN
Zip	55431-4212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 012 BLOCK 001 B COLLIS 2ND ADDN W 111X122X111X121
Legal Range	24
Legal Township	027
Legal Section	21
Legal Quarter	43
Legal Subdivision	COLLIS 2ND ADDN
Legal Block	1
Legal Lot Number	12
Jurisdiction	HENNEPIN MN
Township / Civil Division	BLOOMINGTON
Census Block Group	2
Census Block	2004
Census Tract	25801

Owner

10809 Girard Cir S is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	10809 GIRARD CIR S, MINNEAPOLIS, MN 55431-4212
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HM MTG
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Jun 1, 2018	Warranty Deed, Transfer · Conventional Mortgage EDINA RLTY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on File
Deed Sale	Jun 1, 2018 · Amount on File
Deed Document Number	201810559119
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10809 GIRARD CIR S, BLOOMINGTON, MN 55431-4212
Document Number	0010727112
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10809 GIRARD CIR S BLOOMINGTON MN 554314212, BLOOMINGTON, MN 55431-4212

Mortgage

Document Number	0010727112
Date	Nov 20, 2019
Instrument	10727112

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10809 GIRARD CIR S, BLOOMINGTON, MN 55431-4212
Document Number	0010594492
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10809 GIRARD CIR S BLOOMINGTON MN 554314212, BLOOMINGTON, MN 55431-4212

Mortgage

Document Number	0010594492
Date	Sep 20, 2018
Instrument	10594492

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	ST PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 19, 2028

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jun 1, 2018
Property Address	10809 GIRARD CIR S, BLOOMINGTON, MN 55431-4212
Document Number	0010559119
Instrument Date	May 11, 2018
Instrument	10559119
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,207.00
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	10809 GIRARD CIR S BLOOMINGTON MN 554314212, BLOOMINGTON, MN 55431-4212

Mortgage

Document Number	10559120
Date	Jun 1, 2018
Instrument	10559120

Lender

Name	EDINA RLTY MTG
Type	Mortgage Company
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10809 Girard Cir S was $6,634 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	$6,634.00	$483,200 Land $189,000 Building $294,200	$483,200 Land $189,000 Building $294,200
2023	$5,392.00 Homeowner's exemption
2022		$458,100 Land $161,800 Building $296,300	$458,100 Land $161,800 Building $296,300

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

Flood

FEMA maps place 10809 Girard Cir S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 10809 Girard Cir S 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	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 169 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

May also be available: GigFire, T-Mobile.

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