3816 N Ridge Dr, Eagan (Saint Paul), MN 55123 Property Records

Dakota County property record for 3816 N Ridge Dr, Eagan, MN 55123

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,713 sqft · built 1996
Lot Size	0.418 acres (18,219 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (May 2023)
Tax Bill	$7,880 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-28800-05-040`

Property Details

APN / Parcel Number

Primary APN	`10-28800-05-040`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,713 sqft Living Area
Gross Area	4,373 sqft
1st Floor Area	1,490 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	18,219 sqft (0.418 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3816 N RIDGE DR
City	SAINT PAUL
State	MN
Zip	55123-2459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDENWOOD PONDS 4 5
Legal Subdivision	GARDENWOOD PONDS
Legal Block	5
Legal Lot Number	40
Jurisdiction	DAKOTA MN
Township / Civil Division	EAGAN
Census Block Group	1
Census Block	1005
Census Tract	60751

Owner

3816 N Ridge Dr is owned and occupied by two individuals who bought it in May 2023.

Source: Dakota County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3816 N RIDGE DR, SAINT PAUL, MN 55123-2459
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
May 22, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE
Jan 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 11, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Oct 11, 2018 · Amount on File
Deed Document Number	20231536087
Prior Transfer Date	Sep 12, 2018
Prior Transfer Doc	0003287362
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	May 22, 2023
Property Address	3816 N RIDGE DR, EAGAN, MN 55123-2459
Document Number	0003587948
Instrument Date	May 18, 2023
Instrument	3587948
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
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	3816 N RIDGE DR, EAGAN, MN 55123-2459

Mortgage

Document Number	0003587949
Date	May 22, 2023
Instrument	3587949

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	3816 N RIDGE DR, EAGAN, MN 55123-2459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EAGLE CREEK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003337469
Date	Nov 13, 2019
Instrument	3337469

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	3816 N RIDGE DR, EAGAN, MN 55123-2459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003429640
Date	Jan 12, 2021
Instrument	3429640

Lender

Name	TRADITION MORTGAGE
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DAKOTA MN
Recording Date	Jan 4, 2019
Property Address	3816 N RIDGE DR, EAGAN, MN 55123-2459
Document Number	0003287362
Instrument Date	Sep 12, 2018
Instrument	3287362
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3816 N RIDGE DR EAGAN MN 551232459, EAGAN, MN 55123-2459

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Oct 11, 2018
Property Address	3816 N RIDGE DR, EAGAN, MN 55123-2459
Document Number	0003275245
Instrument Date	Aug 24, 2018
Instrument	3275245
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,847.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3816 N RIDGE DR, EAGAN, MN 55123-2459

Mortgage

Document Number	0003275246
Date	Oct 11, 2018
Instrument	3275246

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTA
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 21, 2048

Mortgage

Document Number	0003275247
Date	Oct 11, 2018
Instrument	3275247

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	ARM
Amount	Amount on Record
Term	179 Months
Due	Sep 8, 2033

Interest

Rate Type	Adjustable Rate
Rate	6.39%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	4.39%
Max Rate At Change	8.39%
Index	Prime Rate
Max Rate	12.3%

Tax Assessment & Valuation

The 2025 property tax bill for 3816 N Ridge Dr was $7,880 with a homeowner's exemption.

Source: Dakota County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Dakota County
Municipality	Eagan City
Unified School District	Rosemount-Apple Valley-Eagan (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,880.00	$649,800 Land $204,800 Building $445,000	$649,800 Land $204,800 Building $445,000

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

Flood

FEMA maps place 3816 N Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026

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 3816 N Ridge 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 99.1% of the US · lower than 96% 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	Eagan serves 68,223 people · EPA ID MN1190007
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: T-Mobile.

Nearby Properties on N Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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