3928 78th St E, Inver Grove Heights, MN 55076 Property Records

Dakota County property record for 3928 78th St E, Inver Grove Heights, MN 55076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,670 sqft · built 1976
Lot Size	0.327 acres (14,234 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,280 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-36520-01-040`

Property Details

APN / Parcel Number

Primary APN	`20-36520-01-040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Living Area
Gross Area	2,090 sqft
1st Floor Area	1,670 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1981
Construction Type	Wood
Lot Area	14,234 sqft (0.327 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3928 78TH ST E
City	INVER GROVE HEIGHTS
State	MN
Zip	55076-3167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INVER GROVE NO 1 4 1
Legal Subdivision	INVER GROVE NO 1
Legal Block	1
Legal Lot Number	40
Jurisdiction	DAKOTA MN
Township / Civil Division	INVER GROVE HEIGHTS
Census Block Group	4
Census Block	4001
Census Tract	60503

Owner

3928 78th St E is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3928 78TH ST E, INVER GROVE HEIGHTS, MN 55076-3167
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
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK
Mar 23, 2018	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	3928 78TH ST E, INVER GROVE HEIGHTS, MN 55076-3167
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003397053
Date	Sep 10, 2020
Instrument	3397053

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	3928 78TH ST E, INVER GROVE HEIGHTS, MN 55076-3167
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003341326
Date	Dec 4, 2019
Instrument	3341326

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 5, 2029

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	3928 78TH ST E, INVER GROVE HEIGHTS, MN 55076-3167
Document Number	0003243263
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3928 78TH ST E INVER GROVE HEIGHTS MN 550763167, INVER GROVE HEIGHTS, MN 55076-3167

Mortgage

Document Number	0003243263
Date	Mar 29, 2018
Instrument	3243263

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3928 78th St E was $3,280 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	Inver Grove Heights City
Unified School District	Inver Grove Heights Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,280.00	$308,400 Land $85,200 Building $223,200	$308,400 Land $85,200 Building $223,200

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

Flood

FEMA maps place 3928 78th St E 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 3928 78th St E is low, with 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 80% of the US · lower than 60% 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	Inver Grove Heights serves 34,189 people · EPA ID MN1190014
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium not recorded as resolved · Apr 2026 Gross alpha radiation not recorded as resolved · Apr 2026
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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, GigFire, Southeast MN Wifi, T-Mobile.

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