13117 Union Terrace Ln N, Champlin, MN 55316 Property Records

Hennepin County property record for 13117 Union Terrace Ln N, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 994 sqft · built 1979
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Sep 2022)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-120-22-21-0106`

Property Details

APN / Parcel Number

Primary APN	`24-120-22-21-0106`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	994 sqft Living Area
Gross Area	2,538 sqft
1st Floor Area	994 sqft
Basement Area	768 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	118 ft deep x 85 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	380 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13117 UNION TERRACE LN N
City	CHAMPLIN
State	MN
Zip	55316-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLOCK 004 T BRAYS 2ND ADDN 85 X 118
Legal Range	22
Legal Township	120
Legal Section	24
Legal Quarter	21
Legal Subdivision	BRAYS 2ND ADDN
Legal Block	4
Legal Lot Number	3
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	3
Census Block	3015
Census Tract	26903

Owner

13117 Union Terrace Ln N is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	13117 UNION TERRACE LN N, CHAMPLIN, MN 55316-1127
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
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY & CNTY EMP CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Sep 2, 2022 · Amount on File
Deed Document Number	20225972197
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 12, 2022
Property Address	13117 UNION TERRACE LN N, CHAMPLIN, MN 55316-1127
Document Number	00T5972197
Instrument Date	Sep 2, 2022
Instrument	T5972197
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.40
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	13117 UNION TERRACE LN N, CHAMPLIN, MN 55316-1127

Mortgage

Document Number	00T5972198
Date	Sep 12, 2022
Instrument	T5972198

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	13117 UNION TERRACE LN N, CHAMPLIN, MN 55316-1127
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T05867699
Date	Aug 18, 2021
Instrument	T05867699

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	13117 UNION TERRACE LN N, CHAMPLIN, MN 55316-1127
Document Number	0005708955
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	BURNET TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	13117 UNION TERRACE LN N CHAMPLIN MN 553161127, CHAMPLIN, MN 55316-1127

Mortgage

Document Number	0005708955
Date	May 18, 2020
Instrument	5708955

Lender

Name	CITY & CNTY EMP CU
Type	Credit Union
Address	SAINT PAUL, MN 55101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 17, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 13117 Union Terrace Ln N was $4,765 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	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	$4,765.00	$324,400 Land $84,000 Building $240,400	$324,400 Land $84,000 Building $240,400
2023	$4,379.00 Homeowner's exemption
2022		$309,000 Land $78,000 Building $231,000	$309,000 Land $78,000 Building $231,000

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

Flood

FEMA maps place 13117 Union Terrace Ln N in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1984.

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

Wildfire risk around 13117 Union Terrace Ln N is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Gateway Fiber, Xtratyme Technologies.

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