4097 Baffin Bay S, Eagan (Saint Paul), MN 55123 Property Records

Dakota County property record for 4097 Baffin Bay S, Eagan, MN 55123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,314 sqft · built 1991
Lot Size	0.438 acres (19,074 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,816 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-32991-03-090`

Property Details

APN / Parcel Number

Primary APN	`10-32991-03-090`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,314 sqft Living Area
Gross Area	3,842 sqft
1st Floor Area	1,318 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1993
Construction Type	Wood
Lot Area	19,074 sqft (0.438 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4097 BAFFIN BAY S
City	SAINT PAUL
State	MN
Zip	55123-3926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLS OF STONEBRIDGE PLAT 2 9 3
Legal Subdivision	HILLS OF STONEBRIDGE PLAT 2
Legal Block	3
Legal Lot Number	90
Jurisdiction	DAKOTA MN
Township / Civil Division	EAGAN
Census Block Group	1
Census Block	1003
Census Tract	60752

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4097 BAFFIN BAY S, SAINT PAUL, MN 55123-3926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Nov 17, 2020	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU

Assessor's Deed Record

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

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4097 BAFFIN BAY S, EAGAN, MN 55123-3926
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4097 BAFFIN BAY S, EAGAN, MN 55123-3926

Mortgage

Document Number	0003578209
Date	Feb 22, 2023
Instrument	3578209

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 21, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4097 BAFFIN BAY S, EAGAN, MN 55123-3926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4097 BAFFIN BAY S, EAGAN, MN 55123-3926

Mortgage

Document Number	0003415967
Date	Nov 17, 2020
Instrument	3415967

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	14985

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 16, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Dakota County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Dakota County
Municipality	Eagan City
Unified School District	Rosemount-Apple Valley-Eagan (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,816.00	$572,700 Land $122,800 Building $449,900	$572,700 Land $122,800 Building $449,900

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 364 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Southeast MN Wifi.

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