12645 98th St, Cologne, MN 55322 Property Records

Carver County property record for 12645 98th St, Cologne, MN 55322

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,652 sqft · built 2003
Lot Size	5.42 acres (236,444 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,564 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-0281900`

Property Details

APN / Parcel Number

Primary APN	`09-0281900`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,652 sqft Finished Area
Gross Area	5,417 sqft
1st Floor Area	1,486 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Lot Area	236,444 sqft (5.42 acres)
Garage Area	840 sqft
Porch	Porch
Porch Area	635 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12645 98TH ST
City	COLOGNE
State	MN
Zip	55322-9040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 28 TOWNSHIP 116 RANGE 025 P/O E 482' OF W1/2 SW1/4 SECT 28 DESC AS: COMM AT NE CORN OF W1/2 SW1/4 TH S ON E LINE OF
Legal Range	025
Legal Township	116
Legal Section	28
Jurisdiction	CARVER MN
Township / Civil Division	WACONIA
Census Block Group	3
Census Block	3028
Census Tract	90304

Owner

12645 98th St is owned and occupied by two individuals.

Source: Carver County records, as of August 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	12645 98TH ST, COLOGNE, MN 55322-9040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	12645 98TH ST, COLOGNE, MN 55322-9040
Document Number	0000684762
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12645 98TH ST COLOGNE MN 553229040, COLOGNE, MN 55322-9040

Mortgage

Document Number	0000684762
Date	Oct 16, 2019
Instrument	684762

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12645 98th St was $6,564 with a homeowner's exemption.

Source: Carver County assessment roll, as of August 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carver County
County Subdivision	Waconia Township
Unified School District	Waconia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,564.00 Homeowner's exemption	$750,700 (+12.55%) Land $178,500 Building $572,200	$750,700 (+12.55%) Land $178,500 Building $572,200
2025		$667,000 (-1.32%) Land $162,800 Building $504,200	$667,000 (-1.32%) Land $162,800 Building $504,200
2024	$6,244.00 Homeowner's exemption	$675,900 (-0.07%) Land $157,500 Building $518,400	$675,900 (-0.07%) Land $157,500 Building $518,400
2023	Homeowner's exemption	$676,400 Land $157,500 Building $518,900	$676,400 Land $157,500 Building $518,900

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

Flood

FEMA maps place 12645 98th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 23, 2023

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 12645 98th St 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 94% of the US · lower than 82% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
GigFire Fixed Wireless	150 / 130
Broadband Fixed Wireless	100 / 20
Nuvera Communications Fixed Wireless	100 / 20

May also be available: Verizon.

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