354 Geranium Dr, Watertown, MN 55388 Property Records

Carver County property record for 354 Geranium Dr, Watertown, MN 55388

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,440 sqft · built 2003
Lot Size	0.323 acres (14,070 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Nov 2021)
Tax Bill	$4,530 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-5340140`

Property Details

APN / Parcel Number

Primary APN	`85-5340140`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,440 sqft Finished Area
Gross Area	3,361 sqft
1st Floor Area	1,440 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2007
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,070 sqft (0.323 acres)
Garage Area	588 sqft
Porch	Porch
Porch Area	44 sqft
Deck Area	289 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	354 GERANIUM DR
City	WATERTOWN
State	MN
Zip	55388-4800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 10 TOWNSHIP 117 RANGE 025 WILDFLOWER 5TH ADDITION LOT 014 BLOCK 001
Legal Range	025
Legal Township	117
Legal Section	10
Legal Subdivision	WILDFLOWER 5TH ADDITION
Legal Block	1
Legal Lot Number	14
Jurisdiction	CARVER MN
Township / Civil Division	WATERTOWN
Census Block Group	2
Census Block	2000
Census Tract	90101

Owner

354 Geranium Dr is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	354 GERANIUM DR, WATERTOWN, MN 55388-4800
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
Nov 2, 2021	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on File
Deed Sale	Nov 2, 2021 · Amount on File
Prior Sale	May 17, 2013 · Amount on File
Deed Document Number	2021736274
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Nov 2, 2021
Property Address	354 GERANIUM DR, WATERTOWN, MN 55388-4800
Document Number	000A736274
Instrument Date	Oct 29, 2021
Instrument	A736274
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
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	354 GERANIUM DR, WATERTOWN, MN 55388-4800

Mortgage

Document Number	000A736275
Date	Nov 2, 2021
Instrument	A736275

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	354 GERANIUM DR, WATERTOWN, MN 55388-4800
Document Number	0000716253
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	354 GERANIUM DR WATERTOWN MN 553884800, WATERTOWN, MN 55388-4800

Mortgage

Document Number	0000716253
Date	Jan 26, 2021
Instrument	716253

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	354 GERANIUM DR, WATERTOWN, MN 55388-4800
Document Number	0000671416
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	354 GERANIUM DR WATERTOWN MN 553884800, WATERTOWN, MN 55388-4800

Mortgage

Document Number	0000671416
Date	Dec 13, 2018
Instrument	671416

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	ST PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 354 Geranium Dr was $4,530 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,530.00 Homeowner's exemption	$395,500 (+5.47%) Land $90,000 Building $305,500	$395,500 (+5.47%) Land $90,000 Building $305,500
2025		$375,000 (+2.04%) Land $85,000 Building $290,000	$375,000 (+2.04%) Land $85,000 Building $290,000
2024	$4,446.00 (+5.01%) Homeowner's exemption	$367,500 (-0.6%) Land $85,000 Building $282,500	$367,500 (-0.6%) Land $85,000 Building $282,500
2023	$4,234.00 Homeowner's exemption	$369,700 Land $85,000 Building $284,700	$369,700 Land $85,000 Building $284,700

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

Flood

FEMA maps place 354 Geranium Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 23, 2023

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 354 Geranium Dr 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	None beyond ember reach

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	Watertown serves 4,550 people · EPA ID MN1100012
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	4 ppb (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	1 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Broadband.

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