23000 Gardner Ave, Rogers, MN 55374 Property Records

Hennepin County property record for 23000 Gardner Ave, Rogers, MN 55374

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.25 ba · 2,320 sqft · built 2002
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$271,519 (Dec 2002)
Tax Bill	$6,689 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-120-23-12-0068`

Property Details

APN / Parcel Number

Primary APN	`15-120-23-12-0068`

Interior

Bedrooms	5 Beds
Full Baths	3.25 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	3,936 sqft
1st Floor Area	1,240 sqft
2nd Floor Area	1,080 sqft
Basement Area	976 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	151 ft deep x 100 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	640 sqft
Deck Area	304 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	23000 GARDNER AVE
City	ROGERS
State	MN
Zip	55374-7517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 008 BLOCK 004 T NORTH RIDGE 2ND ADDN S 100 X 151
Legal Range	23
Legal Township	120
Legal Section	15
Legal Quarter	12
Legal Subdivision	NORTH RIDGE 2ND ADDN
Legal Block	4
Legal Lot Number	8
Jurisdiction	HENNEPIN MN
Township / Civil Division	ROGERS
Census Block Group	1
Census Block	1010
Census Tract	26911

Owner

23000 Gardner Ave is owned and occupied by two individuals who bought it in December 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
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
Jul 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage TORO EMPLOYEES FCU
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MTG CORP
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Dec 5, 2019	Deed of Trust, Mortgage · Line of Credit LOWER
Jun 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Jun 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2002 · Amount on File
Deed Sale	Dec 2, 2002 · Amount on File
Prior Sale	Dec 2, 2002 · Amount on File
Deed Document Number	2002811656
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23000 GARDNER AVE, ROGERS, MN 55374-7517

Mortgage

Document Number	00T5960077
Date	Jul 18, 2022
Instrument	T5960077

Lender

Name	TORO EMPLOYEES FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 20, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
Document Number	0005764730
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23000 GARDNER AVE ROGERS MN 553747517, ROGERS, MN 55374-7517

Mortgage

Document Number	0005764730
Date	Nov 2, 2020
Instrument	5764730

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
Document Number	0005670335
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23000 GARDNER AVE ROGERS MN 553747517, ROGERS, MN 55374-7517

Mortgage

Document Number	0005670335
Date	Dec 13, 2019
Instrument	5670335

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
Document Number	0005670336
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23000 GARDNER AVE ROGERS MN 553747517, ROGERS, MN 55374-7517

Mortgage

Document Number	0005670336
Date	Dec 13, 2019
Instrument	5670336

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 12, 2039

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
Document Number	0005620652
Instrument Date	Jun 8, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23000 GARDNER AVE ROGERS MN 553747517, ROGERS, MN 55374-7517

Mortgage

Document Number	0005620652
Date	Jun 17, 2019
Instrument	5620652

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	23000 GARDNER AVE, ROGERS, MN 55374-7517
Document Number	0005545610
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018
Title Company	HOME SECURITY ABSTRACT AND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23000 GARDNER AVE ROGERS MN 553747517, ROGERS, MN 55374-7517

Mortgage

Document Number	0005545610
Date	Jul 9, 2018
Instrument	5545610

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23000 Gardner Ave was $6,689 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	Rogers City
Unified School District	Elk River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,689.00	$494,800 Land $65,000 Building $429,800	$494,800 Land $65,000 Building $429,800
2023	$5,861.00 Homeowner's exemption
2022		$457,000 Land $62,000 Building $395,000	$457,000 Land $62,000 Building $395,000

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

Flood

FEMA maps place 23000 Gardner Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 25, 2025

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

Wildfire risk around 23000 Gardner Ave 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	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	Rogers serves 14,430 people · EPA ID MN1270047
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, Verizon.

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