Carver County property record for 401 E 1st St, Waconia, MN 55387
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1900 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Jun 2025) |
| Tax Bill | $2,982 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 75-0502090 |
| Primary APN | 75-0502090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,056 sqft Finished Area |
| Gross Area | 1,296 sqft |
| 1st Floor Area | 704 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 8,625 sqft (0.198 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 401 E 1ST ST |
|---|---|
| City | WACONIA |
| State | MN |
| Zip | 55387-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION 13 TOWNSHIP 116 RANGE 025 CITY LOTS OF WACONIA LOT 007 BLOCK 021 |
| Legal Range | 025 |
| Legal Township | 116 |
| Legal Section | 13 |
| Legal Subdivision | CITY LOTS OF WACONIA |
| Legal Block | 21 |
| Legal Lot Number | 7 |
| Jurisdiction | CARVER MN |
| Township / Civil Division | WACONIA |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 90303 |
401 E 1st St is owned by an individual who bought it in June 2025.
Source: Carver County records, as of August 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 308 NEWTON AVE SE, 2, WATERTOWN, MN 55388-8421 |
| 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.
| Date | Document |
|---|---|
| Jun 6, 2022 | Deed of Trust, Mortgage · Line of Credit FIVE POINTS BANK OF HASTINGS |
| Apr 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI HOMETOWN BK-WACONIA |
| Jul 11, 2019 | Grant Deed, Construction Loan · Line of Credit HOMETOWN BK |
| Dec 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KLEIN BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on File |
| Deed Sale | Jun 27, 2025 · Amount on File |
| Prior Sale | Jul 11, 2019 · Amount on File |
| Deed Document Number | 2025787956 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARVER MN |
| Property Address | 401 E 1ST ST, WACONIA, MN 55387-1502 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 401 E 1ST ST, WACONIA, MN 55387-1502 |
| Document Number | 000A747405 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | A747405 |
| Name | FIVE POINTS BANK OF HASTINGS |
|---|---|
| Type | Bank |
| Address | WACONIA, MN 55387 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARVER MN |
| Property Address | 401 E 1ST ST, WACONIA, MN 55387-1502 |
| Document Number | 0000694223 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | CARVER COUNTY ABSTRACT AND TITLE INC, CARVER CNTY ABS & TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 401 E 1ST ST WACONIA MN 553871502, WACONIA, MN 55387-1502 |
| Document Number | 0000694223 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 694223 |
| Name | HOMETOWN BK-WACONIA |
|---|---|
| Address | WACONIA, MN 55387 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARVER MN |
| Recording Date | Jul 11, 2019 |
| Property Address | 401 E 1ST ST, WACONIA, MN 55387-1502 |
| Document Number | 0000679663 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 679663 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 6, 2019 |
| Title Company | CARVER COUNTY ABSTRACT AND TITLE INC, CARVER CNTY ABS & TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 E 1ST ST WACONIA MN 553871502, WACONIA, MN 55387-1502 |
| Document Number | 679664 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | 679664 |
| Name | HOMETOWN BK |
|---|---|
| Type | Bank |
| Address | WACONIA, MN 55387 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 10, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARVER MN |
| Property Address | 401 E 1ST ST, WACONIA, MN 55387-1502 |
| Document Number | 0000656903 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 401 E 1ST ST WACONIA MN 553871502, WACONIA, MN 55387-1502 |
| Document Number | 0000656903 |
|---|---|
| Date | Jan 5, 2018 |
| Instrument | 656903 |
| Name | KLEIN BK |
|---|---|
| Type | Bank |
| Address | WACONIA, MN 55387 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 4, 2023 |
The 2026 property tax bill for 401 E 1st St was $2,982.
Source: Carver County assessment roll, as of August 14, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carver County |
| Municipality | Waconia City |
| Unified School District | Waconia Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,982.00 | $248,300 (+7.91%) Land $125,000 Building $123,300 | $248,300 (+7.91%) Land $125,000 Building $123,300 |
| 2025 | $230,100 (+8.49%) Land $100,000 Building $130,100 | $230,100 (+8.49%) Land $100,000 Building $130,100 | |
| 2024 | $2,376.00 (+1.97%) Homeowner's exemption | $212,100 (+1.53%) Land $80,000 Building $132,100 | $212,100 (+1.53%) Land $80,000 Building $132,100 |
| 2023 | $2,330.00 Homeowner's exemption | $208,900 Land $80,000 Building $128,900 | $208,900 Land $80,000 Building $128,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 E 1st St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 23, 2023
| 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.
The area around 401 E 1st St has no burnable land within ember reach, so its wildfire risk is not rated.
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 | Waconia serves 13,277 people · EPA ID MN1100010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 10 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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