12040 Oregon Cir N, Champlin, MN 55316 Property Records

Hennepin County property record for 12040 Oregon Cir N, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 926 sqft · built 1984
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Jun 2026)
Tax Bill	$3,955 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-120-21-24-0094`

Property Details

APN / Parcel Number

Primary APN	`29-120-21-24-0094`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	926 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	926 sqft
Basement Area	730 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	120 ft deep x 85 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	660 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	462 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12040 OREGON CIR N
City	CHAMPLIN
State	MN
Zip	55316-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 022 BLOCK 006 B CHAMPLIN RIVER PARK W 85X120X85X125
Legal Range	21
Legal Township	120
Legal Section	29
Legal Quarter	24
Legal Subdivision	CHAMPLIN RIVER PARK
Legal Block	6
Legal Lot Number	22
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	5
Census Block	5004
Census Tract	26906

Owner

12040 Oregon Cir N is owned and occupied by an individual who bought it in June 2026.

Source: Hennepin County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	12040 OREGON CIR N, CHAMPLIN, MN 55316-2223
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
Jun 15, 2026	Warranty Deed, Transfer · FHA Mortgage GRANITE BANK
May 7, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	Mar 24, 1997 · Amount on File
Deed Document Number	202611471140
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jun 15, 2026
Property Address	12040 OREGON CIR N, CHAMPLIN, MN 55316-2223
Document Number	0011471140
Instrument Date	Jun 12, 2026
Instrument	202611471140
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135,643.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12040 OREGON CIR N, CHAMPLIN, MN 55316-2223

Mortgage

Document Number	0011471141,
Date	Jun 15, 2026
Instrument	202611471141

Lender

Name	GRANITE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	12040 OREGON CIR N, CHAMPLIN, MN 55316-2223
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12040 OREGON CIR N, CHAMPLIN, MN 55316-2223

Mortgage

Document Number	0A11282153
Date	May 7, 2024
Instrument	A11282153

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 5, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12040 Oregon Cir N was $3,955 with a homeowner's exemption, up 6% from the year before.

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	$3,955.00 (+6.03%) Homeowner's exemption	$336,400 (+3.19%) Land $92,000 Building $244,400	$336,400 (+3.19%) Land $92,000 Building $244,400
2024	$3,730.00 (-13.66%)	$326,000 Land $95,000 Building $231,000	$326,000 Land $95,000 Building $231,000
2023	$4,320.00 Homeowner's exemption
2022		$319,000 Land $96,000 Building $223,000	$319,000 Land $96,000 Building $223,000

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

Flood

FEMA maps place 12040 Oregon Cir N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 25, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12040 Oregon Cir N is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: T-Mobile.

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