12124 Kentucky Cir, Champlin, MN 55316 Property Records

Hennepin County property record for 12124 Kentucky Cir, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,180 sqft · built 1990
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Sep 2021)
Tax Bill	$4,321 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-120-21-13-0047`

Property Details

APN / Parcel Number

Primary APN	`29-120-21-13-0047`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Building Area	1,180 sqft Living Area
Gross Area	2,374 sqft
1st Floor Area	1,180 sqft
Basement Area	706 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 93 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	488 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12124 KENTUCKY CIR
City	CHAMPLIN
State	MN
Zip	55316-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLOCK 001 A RIVER PARK W 93X120X93X185
Legal Range	21
Legal Township	120
Legal Section	29
Legal Quarter	13
Legal Subdivision	RIVER PARK
Legal Block	1
Legal Lot Number	2
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	1
Census Block	1008
Census Tract	26906

Owner

12124 Kentucky Cir is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	12124 KENTUCKY CIR, CHAMPLIN, MN 55316-2115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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 28, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 16, 2021	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEND SMART MTG
Aug 15, 2018	Warranty Deed, Transfer · Conventional with PMI SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Nov 7, 2002 · Amount on File
Deed Document Number	202111018827
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	12124 KENTUCKY CIR, CHAMPLIN, MN 55316-2115
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12124 KENTUCKY CIR, CHAMPLIN, MN 55316-2115

Mortgage

Document Number	0A11165250
Date	Nov 28, 2022
Instrument	A11165250

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 16, 2021
Property Address	12124 KENTUCKY CIR, CHAMPLIN, MN 55316-2115
Document Number	0A11018827
Instrument Date	Sep 10, 2021
Instrument	A11018827
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	DCA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,105.50
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	1214 KENTUCKY CIRCLE, CHAMPLIN, MN 55316

Mortgage

Document Number	0A11018828
Date	Sep 16, 2021
Instrument	A11018828

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	12124 KENTUCKY CIR, CHAMPLIN, MN 55316-2115
Document Number	0010823695
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2124 KENTUCKY CIR CHAMPLIN MN 55316, CHAMPLIN, MN 55316

Mortgage

Document Number	0010823695
Date	Aug 12, 2020
Instrument	10823695

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 11, 2040

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Aug 15, 2018
Property Address	12124 KENTUCKY CIR, CHAMPLIN, MN 55316-2115
Document Number	0010583683
Instrument Date	Aug 7, 2018
Instrument	10583683
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	PARTNERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$866.66
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12124 KENTUCKY CIR CHAMPLIN MN 553162115, CHAMPLIN, MN 55316-2115

Mortgage

Document Number	10583684
Date	Aug 15, 2018
Instrument	10583684

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12124 Kentucky Cir was $4,321 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	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	$4,321.00	$364,100 Land $96,600 Building $267,500	$364,100 Land $96,600 Building $267,500
2023	$3,955.00 Homeowner's exemption
2022		$354,000 Land $101,000 Building $253,000	$354,000 Land $101,000 Building $253,000

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

Flood

FEMA maps place 12124 Kentucky Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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 Policies	2 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Jun 1986 · tidal / storm surge

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 12124 Kentucky Cir 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 98% of the US · lower than 92% 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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