3902 Colgate Ave, Minnetonka, MN 55345 Property Records

Hennepin County property record for 3902 Colgate Ave, Minnetonka, MN 55345

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 1,112 sqft · built 1965
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Tax Bill	$2,238 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jul 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-117-22-21-0006`

Property Details

APN / Parcel Number

Primary APN	`20-117-22-21-0006`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,112 sqft Living Area
Gross Area	2,154 sqft
1st Floor Area	1,112 sqft
Basement Area	1,042 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	100 ft deep x 150 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	624 sqft
Deck Area	1,055 sqft
Patio Area	755 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	3902 COLGATE AVE
City	MINNETONKA
State	MN
Zip	55345-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 006 BLOCK 001 T CHARLOTTEWOOD 150 X 100
Legal Range	22
Legal Township	117
Legal Section	20
Legal Quarter	21
Legal Subdivision	CHARLOTTEWOOD
Legal Block	1
Legal Lot Number	6
Jurisdiction	HENNEPIN MN
Township / Civil Division	MINNETONKA
Census Block Group	1
Census Block	1011
Census Tract	26302

Owner

Source: Hennepin County records, as of June 23, 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	3902 COLGATE AVE, MINNETONKA, MN 55345-1707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PVT BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3902 COLGATE AVE, MINNETONKA, MN 55345-1707
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3902 COLGATE AVE, MINNETONKA, MN 55345-1707

Mortgage

Document Number	0T05878725
Date	Sep 21, 2021
Instrument	T05878725

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jun 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3902 COLGATE AVE, MINNETONKA, MN 55345-1707
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3902 COLGATE AVE, MINNETONKA, MN 55345-1707

Mortgage

Document Number	0T05859914
Date	Jul 26, 2021
Instrument	T05859914

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 7, 2041

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3902 COLGATE AVE, MINNETONKA, MN 55345-1707
Document Number	0005440412
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3902 COLGATE AVE MINNETONKA MN 553451707, MINNETONKA, MN 55345-1707

Mortgage

Document Number	0005440412
Date	May 4, 2017
Instrument	5440412

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

Tax Assessment & Valuation

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Minnetonka City
Unified School District	Minnetonka Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,238.00 (-59.06%)	$465,000 (+7.19%) Land $213,400 Building $251,600	$465,000 (+7.19%) Land $213,400 Building $251,600
2023	$5,466.00 Homeowner's exemption
2022		$433,800 Land $202,400 Building $231,400	$433,800 Land $202,400 Building $231,400

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 December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	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	Minnetonka serves 54,474 people · EPA ID MN1270031
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023) action level 15 ppb
Copper	1.4 mg/L (2017–2019) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Mediacom Xtream.

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