1855 Concordia St, Wayzata, MN 55391 Property Records

Hennepin County property record for 1855 Concordia St, Wayzata, MN 55391

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 2,093 sqft · built 2022
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$3,600,000 (Apr 2026)
Tax Bill	$24,840 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-117-23-22-0038`

Property Details

APN / Parcel Number

Primary APN	`17-117-23-22-0038`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,093 sqft Living Area
Gross Area	5,210 sqft
1st Floor Area	2,093 sqft
Basement Area	1,674 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	217 ft deep x 12.3 ft wide
Terrain	Wooded
View / Lot	Lake Front
Garage Type	Attached
Garage Area	1,247 sqft

Exterior Amenities

Porch	Screened Porch
Porch Area	271 sqft
Deck Area	48 sqft
Patio Area	837 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater
Heating Fuel	Electric

Location & Zoning

Street Address	1855 CONCORDIA ST
City	WAYZATA
State	MN
Zip	55391-9319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLOCK 001 T FAGERNESS WOODS SE123X217X124X225
Legal Range	23
Legal Township	117
Legal Section	17
Legal Quarter	22
Legal Subdivision	FAGERNESS WOODS
Legal Block	1
Legal Lot Number	2
Jurisdiction	HENNEPIN MN
Township / Civil Division	ORONO
Census Block Group	2
Census Block	2035
Census Tract	27204

Owner

1855 Concordia St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
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
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARMED FORCES BANK
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 6, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST FARMERS & MERCHANTS NATIONAL BANK
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS NATIONAL BANK
Jul 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage ARMED FORCES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Apr 1, 2014 · Amount on File
Deed Document Number	20266195727
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Recording Date	Jun 11, 2026
Property Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Document Number	0006206516
Instrument Date	Jun 1, 2026
Instrument	20266206516
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 FOREST ARMS LN, MOUND, MN 55364-8702

Mortgage

Document Number	0006206516,
Date	Jun 11, 2026
Instrument	20266206516

Lender

Name	ARMED FORCES BANK

Agreement

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

Interest

Rate	6.3%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0T05857876
Date	Jul 20, 2021
Instrument	T05857876

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2041

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Investor	Possibly a Property Investor

Mortgage

Document Number	00T5970550
Date	Sep 6, 2022
Instrument	T5970550

Lender

Name	FIRST FARMERS & MERCHANTS NATIONAL BANK
Type	Bank
Address	SAINT PAUL, MN 55101

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2023

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11855 CONCORDIA ST, WAYZATA, MN 55391
Investor	Possibly a Property Investor

Mortgage

Document Number	00T6021710
Date	Jul 5, 2023
Instrument	T6021710

Lender

Name	FIRST FARMERS & MERCHANTS NATIONAL BANK
Type	Bank
Address	SAINT PAUL, MN 55101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Jun 20, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00T6021709
Date	Jul 5, 2023
Instrument	T6021709

Lender

Name	TRADITION MORTGAGE
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	11.5%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Apr 15, 2026
Property Address	1855 CONCORDIA ST, WAYZATA, MN 55391-9319
Document Number	0006195727
Instrument Date	Apr 7, 2026
Instrument	2026.6195727
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	EDGEWATER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,236,240.00
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	1855 CONCORDIA ST, WAYZATA, MN 55391-9319

Mortgage

Document Number	0006195728,
Date	Apr 15, 2026
Instrument	2026.6195728

Lender

Name	ARMED FORCES BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1855 Concordia St was $24,840, up 8.1% from the year before.

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Orono City
Unified School District	Westonka Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$24,840.00 (+8.12%)	$2,293,300 (+5.79%) Land $1,389,600 Building $903,700	$2,293,300 (+5.79%) Land $1,389,600 Building $903,700
2024	$22,974.00 (+44.57%)	$2,167,800 Land $1,389,600 Building $778,200	$2,167,800 Land $1,389,600 Building $778,200
2023	$15,891.00 Homeowner's exemption
2022		$1,667,000 Land $1,263,000 Building $404,000	$1,667,000 Land $1,263,000 Building $404,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1855 Concordia St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 1855 Concordia 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 97% of the US · lower than 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Orono serves 2,505 people · EPA ID MN1270041
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.38 mg/L (2026) 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Midco.

Nearby Properties on Concordia St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures