321 Bluff Rd, Carver, MN 55315 Property Records

Carver County property record for 321 Bluff Rd, Carver, MN 55315

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,519 sqft · built 1997
Lot Size	1.52 acres (66,255 sqft)
Owner	Individual Name on Record
Last Sale	$562,500 (Aug 2019)
Tax Bill	$9,988 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-0830580`

Property Details

APN / Parcel Number

Primary APN	`20-0830580`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,519 sqft Finished Area
Gross Area	6,960 sqft
1st Floor Area	2,528 sqft
Basement Area	2,536 sqft
Finished Basement	2,536 sqft
Unfinished Basement	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	66,255 sqft (1.52 acres)
Garage Area	948 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	414 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	321 BLUFF RD
City	CARVER
State	MN
Zip	55315-9511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 30 TOWNSHIP 115 RANGE 023 CARVER BLUFFS (C) LOT 011 BLOCK 005
Legal Range	023
Legal Township	115
Legal Section	30
Legal Subdivision	CARVER BLUFFS (C)
Legal Block	5
Legal Lot Number	11
Jurisdiction	CARVER MN
Township / Civil Division	CARVER
Census Block Group	2
Census Block	2001
Census Tract	91100

Owner

Source: Carver County records, as of August 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	321 BLUFF RD, CARVER, MN 55315-9511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 21, 2019	Warranty Deed, Transfer · Conventional with PMI MORTGAGES UNLIMITED
Jul 18, 2019	Trustee's Deed, Construction Loan · Line of Credit HOMETOWN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2019 · Amount on Record
Deed Sale	Aug 21, 2019 · Amount on Record
Prior Sale	Dec 11, 2013 · Amount on Record
Deed Document Number	2019681782
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	321 BLUFF RD, CARVER, MN 55315-9511
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BLUFF RD, CARVER, MN 55315-9511

Mortgage

Document Number	000A752886
Date	Oct 4, 2022
Instrument	A752886

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Aug 21, 2019
Property Address	321 BLUFF RD, CARVER, MN 55315-9511
Document Number	0000681782
Instrument Date	Jul 26, 2019
Instrument	681782
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	TITLE RECORDING SERVICES, TITLE RECORDING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,856.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 BLUFF RD CARVER MN 553159511, CARVER, MN 55315-9511

Mortgage

Document Number	681783
Date	Aug 21, 2019
Instrument	681783

Lender

Name	MORTGAGES UNLIMITED
Type	Mortgage Company
Address	MAPLE GROVE, MN 55369

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CARVER MN
Recording Date	Jul 18, 2019
Property Address	321 BLUFF RD, CARVER, MN 55315-9511
Instrument Date	Jul 5, 2019
Instrument	680054
Transaction Type	Construction Loan
Record Updated	Sep 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	18660 LANDER DR NW ELK RIVER MN 553307727, ELK RIVER, MN 55330-7727

Mortgage

Document Number	0000680054
Date	Jul 18, 2019
Instrument	680054

Lender

Name	HOMETOWN BK
Type	Bank
Address	WACONIA, MN 55387

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 17, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Carver County assessment roll, as of August 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carver County
Municipality	Carver City
Unified School District	Eastern Carver County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,988.00 (+20.66%) Homeowner's exemption	$663,200 (-10.21%) Land $261,000 Building $402,200	$663,200 (-10.21%) Land $261,000 Building $402,200
2025		$738,600 (+4.31%) Land $253,800 Building $484,800	$738,600 (+4.31%) Land $253,800 Building $484,800
2024	$8,278.00 (+1.27%) Homeowner's exemption	$708,100 (+7.53%) Land $239,300 Building $468,800	$708,100 (+7.53%) Land $239,300 Building $468,800
2023	$8,174.00 Homeowner's exemption	$658,500 Land $239,300 Building $419,200	$658,500 Land $239,300 Building $419,200

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 November 23, 2023 · 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 Claims	1 (1993)
Most Recent Claim	Jul 1993 · Severe Storms, Tornadoes & 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% 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	Carver serves 6,700 people · EPA ID MN1100017
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.5 mg/L (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Netwave Broadband Fixed Wireless · not low latency	125 / 40
AT&T Fixed Wireless	100 / 20

May also be available: Xtratyme Technologies.

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