Carver County property record for 12065 46th St, Watertown, MN 55388
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.75 ba · 2,332 sqft · built 1967 |
| Lot Size | 3.66 acres (159,473 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,786 (2026) |
| Deeds & Mortgages | Sep 2021 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-0280700 |
| Primary APN | 10-0280700 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Stories | 1 Story |
| Building Area | 2,332 sqft Finished Area |
| Gross Area | 4,334 sqft |
| 1st Floor Area | 2,332 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 159,473 sqft (3.66 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 142 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 12065 46TH ST |
|---|---|
| City | WATERTOWN |
| State | MN |
| Zip | 55388-9399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION 28 TOWNSHIP 117 RANGE 025 N 330' OF E 660' EXC: W 150' OF E 660' OF N 200' |
| Legal Range | 025 |
| Legal Township | 117 |
| Legal Section | 28 |
| Jurisdiction | CARVER MN |
| Township / Civil Division | WATERTOWN |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 90101 |
12065 46th St is owned and occupied by two individuals.
Source: Carver County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12065 46TH ST, WATERTOWN, MN 55388-9399 |
| 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.
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 12, 2019 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARVER MN |
| Property Address | 12065 46TH ST, WATERTOWN, MN 55388-9399 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 12065 46TH ST, WATERTOWN, MN 55388-9399 |
| Document Number | 000A733256 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | A733256 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jun 22, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARVER MN |
| Property Address | 12065 46TH ST, WATERTOWN, MN 55388-9399 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 000A725657 |
|---|---|
| Date | May 26, 2021 |
| Instrument | A725657 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARVER MN |
| Property Address | 12065 46TH ST, WATERTOWN, MN 55388-9399 |
| Document Number | 0000683860 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12065 46TH ST WATERTOWN MN 553889399, WATERTOWN, MN 55388-9399 |
| Document Number | 0000683860 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 683860 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 12065 46th St was $4,786 with a homeowner's exemption.
Source: Carver County assessment roll, as of August 14, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carver County |
| County Subdivision | Watertown Township |
| Unified School District | Watertown-Mayer Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,786.00 Homeowner's exemption | $526,200 (-3.4%) Land $220,000 Building $306,200 | $526,200 (-3.4%) Land $220,000 Building $306,200 |
| 2025 | $544,700 (+1.64%) Land $198,000 Building $346,700 | $544,700 (+1.64%) Land $198,000 Building $346,700 | |
| 2024 | $4,794.00 (+4.95%) Homeowner's exemption | $535,900 (-1.18%) Land $192,500 Building $343,400 | $535,900 (-1.18%) Land $192,500 Building $343,400 |
| 2023 | $4,568.00 Homeowner's exemption | $542,300 Land $192,500 Building $349,800 | $542,300 Land $192,500 Building $349,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12065 46th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 23, 2023 · 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 Policies | 3 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 risk around 12065 46th St is low, with 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Broadband Fixed Wireless | 100 / 20 |
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