Dakota County property record for 3848 N Ridge Dr, Eagan, MN 55123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,526 sqft · built 1999 |
| Lot Size | 0.252 acres (10,974 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $495,000 (Jun 2019) |
| Tax Bill | $7,198 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-28800-04-040 |
| Primary APN | 10-28800-04-040 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,526 sqft Living Area |
| Gross Area | 4,337 sqft |
| 1st Floor Area | 1,534 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 10,974 sqft (0.252 acres) |
| Garage Type | Attached |
| Garage Area | 811 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 3848 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 4 |
| Legal Subdivision | GARDENWOOD PONDS |
| Legal Block | 4 |
| Legal Lot Number | 40 |
| Jurisdiction | DAKOTA MN |
| Township / Civil Division | EAGAN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 60751 |
Source: Dakota County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3848 N RIDGE DR, SAINT PAUL, MN 55123-2459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 21, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 6, 2018 | Deed of Trust, Mortgage · ARM WINGS FINANCIAL CU |
| May 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2019 · Amount on Record |
| Deed Sale | Jun 5, 2019 · Amount on Record |
| Prior Sale | Jan 12, 2000 · Amount on Record |
| Deed Document Number | 20193307948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 3848 N RIDGE DR, EAGAN, MN 55123-2459 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003490349 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 3490349 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 3848 N RIDGE DR, EAGAN, MN 55123-2459 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003179122 |
|---|---|
| Date | Feb 21, 2017 |
| Instrument | 3179122 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 3848 N RIDGE DR, EAGAN, MN 55123-2459 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003253535 |
|---|---|
| Date | Jun 6, 2018 |
| Instrument | 3253535 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55124 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | May 17, 2017 |
| Property Address | 3848 N RIDGE DR, EAGAN, MN 55123-2459 |
| Document Number | 0003191880 |
| Instrument Date | May 16, 2017 |
| Instrument | 3191880 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | PARTNERS TITLE COMPANY, PARTNERS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,537.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3848 N RIDGE DR EAGAN MN 551232459, EAGAN, MN 55123-2459 |
| Document Number | 3191881 |
|---|---|
| Date | May 17, 2017 |
| Instrument | 3191881 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2047 |
Source: Dakota County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Dakota County |
| Municipality | Eagan City |
| Unified School District | Rosemount-Apple Valley-Eagan (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,198.00 | $600,400 Land $204,800 Building $395,600 | $600,400 Land $204,800 Building $395,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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