Dakota County property record for 3860 N Ridge Dr, Eagan, MN 55123
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 3.5 ba · 4,340 sqft · built 1997 |
| Lot Size | 0.274 acres (11,912 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $600,000 (Aug 2022) |
| Tax Bill | $7,982 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-28800-04-070 |
| Primary APN | 10-28800-04-070 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,340 sqft Living Area |
| Gross Area | 5,019 sqft |
| 1st Floor Area | 1,962 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Wood |
| Lot Area | 11,912 sqft (0.274 acres) |
| Garage Type | Attached |
| Garage Area | 679 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3860 N RIDGE DR |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55123-2459 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDENWOOD PONDS 7 4 |
| Legal Subdivision | GARDENWOOD PONDS |
| Legal Block | 4 |
| Legal Lot Number | 70 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3860 N RIDGE DR, SAINT PAUL, MN 55123-2459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Aug 3, 2022 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on Record |
| Deed Sale | Aug 12, 2022 · Amount on Record |
| Prior Sale | Dec 18, 1997 · Amount on Record |
| Deed Document Number | 20221450546 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Aug 15, 2022 |
| Property Address | 3860 N RIDGE DR, EAGAN, MN 55123-2459 |
| Document Number | 0003553613 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 3553613 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,980.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3860 N RIDGE DR, EAGAN, MN 55123-2459 |
| Document Number | 0003553614 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 3553614 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.24% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | Other |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 3860 N RIDGE DR, EAGAN, MN 55123-2459 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3860 N RIDGE DR, EAGAN, MN 55123-2459 |
| Document Number | 0003551882 |
|---|---|
| Date | Aug 3, 2022 |
| Instrument | 3551882 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55416 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 17 Months |
| Due | Jan 13, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,982.00 (+31.72%) | $657,300 (+14.27%) Land $195,100 Building $462,200 | $657,300 (+14.27%) Land $195,100 Building $462,200 |
| 2023 | $6,060.00 Homeowner's exemption | ||
| 2022 | $575,200 Land $189,800 Building $385,400 | $575,200 Land $189,800 Building $385,400 |
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 | Not rated no burnable land within 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 407 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 | 1,200 / 35 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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