12908 Lone Oak Dr, Minnetonka (Hopkins), MN 55305 Property Records

Hennepin County property record for 12908 Lone Oak Dr, Minnetonka, MN 55305

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.25 ba · 1,152 sqft · built 1958
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,853 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`22-117-22-14-0029`

Property Details

APN / Parcel Number

Primary APN	`22-117-22-14-0029`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,498 sqft
1st Floor Area	1,152 sqft
Basement Area	346 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	97 ft deep x 150 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	420 sqft
Porch	Enclosed Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12908 LONE OAK DR
City	HOPKINS
State	MN
Zip	55305-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 006 BLOCK 003 T LONEOAK S 150X97X145X110
Legal Range	22
Legal Township	117
Legal Section	22
Legal Quarter	14
Legal Subdivision	LONEOAK
Legal Block	3
Legal Lot Number	6
Jurisdiction	HENNEPIN MN
Township / Civil Division	MINNETONKA
Census Block Group	2
Census Block	2001
Census Tract	26101

Owner

12908 Lone Oak Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	12908 LONE OAK DR, HOPKINS, MN 55305-5031
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
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINGS FIN'L CU
Oct 16, 2019	Loan Modification, Mortgage · Line of Credit WINGS FIN'L FCU

Assessor's Deed Record

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	12908 LONE OAK DR, MINNETONKA, MN 55305-5031
Document Number	0005665730
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12908 LONE OAK DR MINNETONKA MN 553055031, MINNETONKA, MN 55305-5031

Mortgage

Document Number	0005665730
Date	Nov 26, 2019
Instrument	5665730

Lender

Name	WINGS FIN'L CU
Address	APPLE VALLEY, MN 55124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENNEPIN MN
Property Address	12908 LONE OAK DR, MINNETONKA, MN 55305-5031
Document Number	0005665731
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12908 LONE OAK DR MINNETONKA MN 553055031, MINNETONKA, MN 55305-5031

Mortgage

Document Number	0005665731
Date	Nov 26, 2019
Instrument	5665731

Lender

Name	WINGS FIN'L FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Nov 25, 2031

Interest

Rate Type	Adjustable Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 12908 Lone Oak Dr was $4,853 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	Minnetonka City
Unified School District	Hopkins Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,853.00	$387,400 Land $202,400 Building $185,000	$387,400 Land $202,400 Building $185,000
2023	$4,366.00 Homeowner's exemption
2022		$376,100 Land $202,400 Building $173,700	$376,100 Land $202,400 Building $173,700

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

Flood

FEMA maps place 12908 Lone Oak Dr 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 12908 Lone Oak Dr 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	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	Minnetonka serves 54,474 people · EPA ID MN1270031
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023) action level 15 ppb
Copper	1.4 mg/L (2017–2019) action level 1.3 mg/L

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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks, T-Mobile.

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