10816 River Ter, Bloomington (Minneapolis), MN 55431 Property Records

Hennepin County property record for 10816 River Ter, Bloomington, MN 55431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,317 sqft · built 1971
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jan 2022)
Tax Bill	$6,440 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-027-24-44-0005`

Property Details

APN / Parcel Number

Primary APN	`21-027-24-44-0005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,317 sqft Living Area
Gross Area	4,796 sqft
1st Floor Area	1,317 sqft
Basement Area	3,479 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1999
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	115 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	572 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	87 sqft
Deck Area	300 sqft
Patio Area	800 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10816 RIVER TER
City	MINNEAPOLIS
State	MN
Zip	55431-4200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLOCK 001 T RIVER TERRACE E 132X115X130X137
Legal Range	24
Legal Township	027
Legal Section	21
Legal Quarter	44
Legal Subdivision	RIVER TERRACE
Legal Block	1
Legal Lot Number	3
Jurisdiction	HENNEPIN MN
Township / Civil Division	BLOOMINGTON
Census Block Group	2
Census Block	2010
Census Tract	25801

Owner

Source: Hennepin County records, as of June 23, 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	10816 RIVER TER, MINNEAPOLIS, MN 55431-4200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage OPEN MTG
Jul 12, 2018	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MTG
Jul 13, 2017	Deed of Trust, Mortgage · FHA Mortgage AXIA FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Jan 28, 2022 · Amount on Record
Deed Document Number	20225918798
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jan 31, 2022
Property Address	10816 RIVER TER, BLOOMINGTON, MN 55431-4200
Document Number	0T05918798
Instrument Date	Jan 28, 2022
Instrument	T05918798
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,419.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10816 RIVER TER, BLOOMINGTON, MN 55431-4200

Mortgage

Document Number	0T05918799
Date	Jan 31, 2022
Instrument	T05918799

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10816 RIVER TER, BLOOMINGTON, MN 55431-4200
Document Number	0005656908
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10816 RIVER TER BLOOMINGTON MN 554314200, BLOOMINGTON, MN 55431-4200

Mortgage

Document Number	0005656908
Date	Oct 28, 2019
Instrument	5656908

Lender

Name	OPEN MTG
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jul 12, 2018
Property Address	10816 RIVER TER, BLOOMINGTON, MN 55431-4200
Document Number	0005544807
Instrument Date	Jul 9, 2018
Instrument	5544807
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	TITLESMART

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,173.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10816 RIVER TER BLOOMINGTON MN 554314200, BLOOMINGTON, MN 55431-4200

Mortgage

Document Number	5544808
Date	Jul 12, 2018
Instrument	5544808

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10816 RIVER TER, BLOOMINGTON, MN 55431-4200
Document Number	0005459690
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10816 RIVER TER BLOOMINGTON MN 554314200, BLOOMINGTON, MN 55431-4200

Mortgage

Document Number	0005459690
Date	Jul 19, 2017
Instrument	5459690

Lender

Name	AXIA FIN'L
Type	Funding / Finance Company
Address	BELLEVUE, WA 98004

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 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	$6,440.00 (+21.9%)	$470,100 (+4.72%) Land $169,300 Building $300,800	$470,100 (+4.72%) Land $169,300 Building $300,800
2023	$5,283.00 Homeowner's exemption
2022		$448,900 Land $148,100 Building $300,800	$448,900 Land $148,100 Building $300,800

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	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	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 61 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

Nearby Properties on River Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures