3995 N Shore Dr, Mound, MN 55364 Property Records

Hennepin County property record for 3995 N Shore Dr, Mound, MN 55364

Property Summary

Property Type	Seasonal / Vacation Home
Details	6 bd · 5 ba · 7,042 sqft · built 2001
Lot Size	1 acre (43,560 sqft)
Owner	Trust Name on File
Last Sale	$1,830,000 (Jun 2014)
Tax Bill	$32,645 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-117-23-22-0009`

Property Details

APN / Parcel Number

Primary APN	`17-117-23-22-0009`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	7,042 sqft Living Area
Gross Area	8,000 sqft
1st Floor Area	4,317 sqft
2nd Floor Area	2,725 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,560 sqft
Lot Dimensions	116 ft deep x 14 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	958 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	146 sqft
Deck Area	701 sqft
Patio Area	701 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	3995 N SHORE DR
City	MOUND
State	MN
Zip	55364-9790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	UNPLATTED 17 117 23 THAT PART OF GOVT LOT 2 DESC AS BEG AT THE NW COR OF SEC 17 TH E ALONG N LINE OF GOVT LOT 2 DIS 362.35 FT TH S AT RT ANGLES 148.5 FT TH W ALONG S T N440X116X362XL140
Legal Range	23
Legal Township	117
Legal Section	17
Legal Quarter	22
Legal Subdivision	UNPLATTED 17 117 23
Legal Block	2
Legal Lot Number	2
Jurisdiction	HENNEPIN MN
Township / Civil Division	ORONO
Census Block Group	2
Census Block	2013
Census Tract	27204

Owner

3995 N Shore Dr, a residential property, is owner-occupied and held in a trust since August 2020.

Source: Hennepin County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	3995 N SHORE DR, MOUND, MN 55364-9790
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 20, 2018	Deed of Trust, Mortgage · ARM US BANK NA
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 11, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Mar 18, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2014 · Amount on File
Deed Sale	Jun 2, 2014 · Amount on File
Prior Sale	Jun 9, 2000 · Amount on File
Deed Document Number	20145174332
Last Transfer Date	Aug 28, 2020
Transfer Doc	0005745268
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3995 N SHORE DR, MOUND, MN 55364-9790
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T05547232
Date	Jul 20, 2018
Instrument	T05547232

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	9%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3995 N SHORE DR, MOUND, MN 55364-9790
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 CAPE MARCO DR 1202, 1202, MARCO ISLAND, FL 34145-6352

Mortgage

Document Number	0T05864784
Date	Aug 9, 2021
Instrument	T05864784

Lender

Name	US BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3995 N SHORE DR, MOUND, MN 55364-9790
Transaction Type	Mortgage
Record Updated	May 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00T5930435
Date	Mar 18, 2022
Instrument	T5930435

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	342 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 28, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	3995 N SHORE DR, MOUND, MN 55364-9790
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00T5973307
Date	Sep 16, 2022
Instrument	T5973307

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Sep 11, 2020
Property Address	3995 N SHORE DR, MOUND, MN 55364-9790
Document Number	0T05745268
Instrument Date	Aug 28, 2020
Instrument	T05745268
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3995 N SHORE DR, MOUND, MN 55364-9790

Mortgage

Document Number	0T05745269
Date	Sep 11, 2020
Instrument	T05745269

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Mar 18, 2022
Property Address	3995 N SHORE DR, MOUND, MN 55364-9790
Document Number	00T5930436
Instrument Date	Aug 28, 2020
Instrument	T5930436
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3995 N SHORE DR, MOUND, MN 55364-9790

Tax Assessment & Valuation

The 2025 property tax bill for 3995 N Shore Dr was $32,645, up 2.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$32,645.00 (+2.86%)	$2,986,300 (+1.56%) Land $1,410,500 Building $1,575,800	$2,986,300 (+1.56%) Land $1,410,500 Building $1,575,800
2024	$31,738.00 (+13.16%)	$2,940,400 Land $1,410,500 Building $1,529,900	$2,940,400 Land $1,410,500 Building $1,529,900
2023	$28,048.00
2022		$2,762,000 Land $1,282,000 Building $1,480,000	$2,762,000 Land $1,282,000 Building $1,480,000

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

Flood

FEMA maps place 3995 N Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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

Wildfire risk around 3995 N Shore 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 96% of the US · lower than 86% 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	Orono serves 2,505 people · EPA ID MN1270041
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.38 mg/L (2026) 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Midco.

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