2528 Lafayette Rd, Wayzata, MN 55391 Property Records

Hennepin County property record for 2528 Lafayette Rd, Wayzata, MN 55391

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,832 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Aug 1998)
Tax Bill	$12,222 (2025)
Deeds & Mortgages	May 2020 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-117-23-33-0027`

Property Details

APN / Parcel Number

Primary APN	`15-117-23-33-0027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,832 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	1,260 sqft
2nd Floor Area	1,248 sqft
Basement Area	1,572 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Terrain	Wooded
View / Lot	Lake
Garage Type	Attached
Garage Area	432 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	191 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2528 LAFAYETTE RD
City	WAYZATA
State	MN
Zip	55391-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 204 A SUPPLEMENTAL PLAT OF MTKA BEACH WLY 60 FT OF LOTS 204 AND 205 S 60X150X62X170
Legal Range	23
Legal Township	117
Legal Section	15
Legal Quarter	33
Legal Subdivision	SUPPLEMENTAL PLAT OF MTKA BEACH
Legal Block	1
Legal Lot Number	204
Jurisdiction	HENNEPIN MN
Township / Civil Division	MINNETONKA BEACH
Census Block Group	1
Census Block	1017
Census Tract	27203

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2528 LAFAYETTE RD, WAYZATA, MN 55391-9752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Deed of Trust, Mortgage · Line of Credit DEERWOOD BK
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEERWOOD BK
Jan 15, 2019	Loan Modification, Mortgage · Conventional Mortgage DEERWOOD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 1998 · Amount on Record
Deed Sale	Aug 25, 1998 · Amount on Record
Deed Document Number	1998678007
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	2528 LAFAYETTE RD, WAYZATA, MN 55391-9752
Document Number	0010801602
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2528 LAFAYETTE RD WAYZATA MN 553919752, WAYZATA, MN 55391-9752

Mortgage

Document Number	0010801602
Date	Jun 1, 2020
Instrument	10801602

Lender

Name	DEERWOOD BK
Type	Bank
Address	MENDOTA HEIGHTS, MN 55120

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 31, 2040

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	2528 LAFAYETTE RD, WAYZATA, MN 55391-9752
Document Number	0010786296
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2528 LAFAYETTE RD WAYZATA MN 553919752, WAYZATA, MN 55391-9752

Mortgage

Document Number	0010786296
Date	May 13, 2020
Instrument	10786296

Lender

Name	DEERWOOD BK
Type	Bank
Address	MENDOTA HEIGHTS, MN 55120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 12, 2040

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENNEPIN MN
Property Address	2528 LAFAYETTE RD, WAYZATA, MN 55391-9752
Document Number	0010632369
Instrument Date	Jan 15, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2528 LAFAYETTE RD WAYZATA MN 553919752, WAYZATA, MN 55391-9752

Mortgage

Document Number	0010632369
Date	Jan 23, 2019
Instrument	10632369

Lender

Name	DEERWOOD BK
Type	Bank
Address	MENDOTA HEIGHTS, MN 55120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 22, 2039

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Village Of Minnetonka Beach City
Unified School District	Orono Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,222.00 (+28.26%)	$1,045,500 (+20.45%) Land $610,200 Building $435,300	$1,045,500 (+20.45%) Land $610,200 Building $435,300
2023	$9,529.00 Homeowner's exemption
2022		$868,000 Land $468,000 Building $400,000	$868,000 Land $468,000 Building $400,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1978–2014)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jul 2014 · river or lake flooding

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 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	Minnetonka Beach serves 547 people · EPA ID MN1270034
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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