12780 98th St, Cologne, MN 55322 Property Records

Carver County property record for 12780 98th St, Cologne, MN 55322

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,174 sqft · built 1942
Lot Size	0.707 acres (30,797 sqft)
Owner	2 Individual Names on File
Last Sale	$418,000 (Jul 2026)
Tax Bill	$2,920 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-0280500`

Property Details

APN / Parcel Number

Primary APN	`09-0280500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,174 sqft Finished Area
Gross Area	3,048 sqft
1st Floor Area	1,174 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	30,797 sqft (0.707 acres)
Garage Area	448 sqft
Parking Spaces	5 Parking Spaces
Deck Area	252 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	12780 98TH ST
City	COLOGNE
State	MN
Zip	55322-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 28 TOWNSHIP 116 RANGE 025 THAT P/O NW1/4 SECT 28 DESC: COMM AT SW CORN NW1/4; TH N ON SECT LINE 208.66'; TH E
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

12780 98th St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	12780 98TH ST, COLOGNE, MN 55322-9041
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
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Feb 14, 2019	Warranty Deed, Transfer · Conventional with PMI EDINA RLTY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Feb 14, 2019 · Amount on File
Deed Document Number	2026802397
Prior Transfer Date	Jan 5, 2006
Prior Transfer Doc	0000008467
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Jul 1, 2026
Property Address	12780 98TH ST, COLOGNE, MN 55322-9041
Document Number	0000802397
Instrument Date	Jun 30, 2026
Instrument	2026802397
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	MINNESOTA SECURED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139,319.40
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	12780 98TH ST, COLOGNE, MN 55322-9041

Mortgage

Document Number	0000802398,
Date	Jul 1, 2026
Instrument	2026802398

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Feb 14, 2019
Property Address	12780 98TH ST, COLOGNE, MN 55322-9041
Document Number	0000673638
Instrument Date	Feb 11, 2019
Instrument	673638
Transaction Type	Transfer
Record Updated	Mar 8, 2019
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$897.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12780 98TH ST COLOGNE MN 553229041, COLOGNE, MN 55322-9041

Mortgage

Document Number	673639
Date	Feb 14, 2019
Instrument	673639

Lender

Name	EDINA RLTY MTG
Type	Mortgage Company
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 12780 98th St was $2,920 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	$2,920.00 Homeowner's exemption	$358,100 (+11.21%) Land $153,000 Building $205,100	$358,100 (+11.21%) Land $153,000 Building $205,100
2025		$322,000 (-0.37%) Land $139,500 Building $182,500	$322,000 (-0.37%) Land $139,500 Building $182,500
2024	$2,802.00 Homeowner's exemption	$323,200 (-0.03%) Land $135,000 Building $188,200	$323,200 (-0.03%) Land $135,000 Building $188,200
2023	Homeowner's exemption	$323,300 Land $135,000 Building $188,300	$323,300 Land $135,000 Building $188,300

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

Flood

FEMA maps place 12780 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

The area around 12780 98th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 7 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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