12446 Spruce Ct, Rogers, MN 55374 Property Records

Hennepin County property record for 12446 Spruce Ct, Rogers, MN 55374

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,015 sqft · built 2000
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$218,828 (Aug 2000)
Tax Bill	$5,514 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-120-23-22-0018`

Property Details

APN / Parcel Number

Primary APN	`26-120-23-22-0018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,015 sqft Living Area
Gross Area	2,879 sqft
1st Floor Area	1,140 sqft
2nd Floor Area	875 sqft
Basement Area	1,155 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Depth	162 ft Depth
View / Lot	Lake
Garage Type	Attached
Garage Area	864 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	232 sqft
Deck Area	294 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12446 SPRUCE CT
City	ROGERS
State	MN
Zip	55374-4523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 001 BLOCK 002 A DUTCH KNOLLS 4TH ADDN W101X162X112X153
Legal Range	23
Legal Township	120
Legal Section	26
Legal Quarter	22
Legal Subdivision	DUTCH KNOLLS 4TH ADDN
Legal Block	2
Legal Lot Number	1
Jurisdiction	HENNEPIN MN
Township / Civil Division	ROGERS
Census Block Group	1
Census Block	1000
Census Tract	26912

Owner

12446 Spruce Ct is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	12446 SPRUCE CT, ROGERS, MN 55374-4523
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit ALERUS FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2000 · Amount on File
Deed Sale	Aug 25, 2000 · Amount on File
Deed Document Number	2000743674
Last Transfer Date	Jun 24, 2025
Transfer Doc	0011380784
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	12446 SPRUCE CT, ROGERS, MN 55374-4523
Transaction Type	Mortgage
Record Updated	May 28, 2021
Title Company	NOT AVAILABLE, RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A10954832
Date	Apr 30, 2021
Instrument	A10954832

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	12446 SPRUCE CT, ROGERS, MN 55374-4523
Document Number	0010455453
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12446 SPRUCE CT ROGERS MN 553744523, ROGERS, MN 55374-4523

Mortgage

Document Number	0010455453
Date	Jul 5, 2017
Instrument	10455453

Lender

Name	ALERUS FIN'L
Type	Funding / Finance Company
Address	GRAND FORKS, ND 58201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 4, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12446 Spruce Ct was $5,514 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	Rogers City
Unified School District	Elk River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,514.00	$414,100 Land $57,000 Building $357,100	$414,100 Land $57,000 Building $357,100
2023	$5,077.00 Homeowner's exemption
2022		$397,000 Land $67,000 Building $330,000	$397,000 Land $67,000 Building $330,000

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

Flood

FEMA maps place 12446 Spruce Ct in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 12446 Spruce Ct 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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	Rogers serves 14,430 people · EPA ID MN1270047
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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