13032 Saratoga Ln N, Champlin, MN 55316 Property Records

Hennepin County property record for 13032 Saratoga Ln N, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,106 sqft · built 1977
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$328,000 (May 2021)
Tax Bill	$5,052 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-120-22-24-0054`

Property Details

APN / Parcel Number

Primary APN	`24-120-22-24-0054`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,106 sqft Living Area
Gross Area	2,506 sqft
1st Floor Area	1,106 sqft
Basement Area	832 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	129 ft deep x 90 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	568 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13032 SARATOGA LN N
City	CHAMPLIN
State	MN
Zip	55316-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 024 BLOCK 006 T EDGEWATER GARDENS 90 X 129
Legal Range	22
Legal Township	120
Legal Section	24
Legal Quarter	24
Legal Subdivision	EDGEWATER GARDENS
Legal Block	6
Legal Lot Number	24
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	3
Census Block	3012
Census Tract	26903

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13032 SARATOGA LN N, CHAMPLIN, MN 55316-1116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Deed Document Number	20215839746
Prior Transfer Date	Jun 1, 2016
Prior Transfer Doc	0T05375454
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 25, 2021
Property Address	13032 SARATOGA LN N, CHAMPLIN, MN 55316-1116
Document Number	0T05839746
Instrument Date	May 21, 2021
Instrument	T05839746
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	MODERN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,082.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	13032 SARATOGA LN N, CHAMPLIN, MN 55316-1116

Mortgage

Document Number	0T05839747
Date	May 25, 2021
Instrument	T05839747

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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	$5,052.00 (+0.96%) Homeowner's exemption	$336,300 (-0.15%) Land $84,000 Building $252,300	$336,300 (-0.15%) Land $84,000 Building $252,300
2024	$5,004.00 (+5.24%)	$336,800 (+5.25%) Land $87,000 Building $249,800	$336,800 (+5.25%) Land $87,000 Building $249,800
2023	$4,755.00 Homeowner's exemption
2022		$320,000 Land $78,000 Building $242,000	$320,000 Land $78,000 Building $242,000

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

Flood

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 Claims	8 (1984–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Apr 2023 · Severe Storms And Flooding
Claims by Event	Severe Flooding, High Winds,severe Storms, Apr 1997 · 2 claims

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 423 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20