Dakota County property record for 4413 Naper Bay, Eagan, MN 55122
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 1.5 ba · 1,052 sqft · built 1995 |
| Lot Size | 0.14 acres (647,177 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Jul 2019) |
| Tax Bill | $2,330 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-17791-02-095 |
| Primary APN | 10-17791-02-095 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,052 sqft Living Area |
| Gross Area | 1,252 sqft |
| 1st Floor Area | 476 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Townhouse |
| Construction Type | Wood |
| Lot Area | 647,177 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 4413 NAPER BAY |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55122-2473 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | CLIFF LAKE TOWNHOMES 2ND ADDITION 8 1 CLIFF LAKE COURTHOMES CIC #125 UNIT #95 1/148 INT BEING PT OF LOTS 1 THRU 8 BLK 1 CLIFF LAKE TOWNHOMES & LOTS 1 THRU 3 BLK 1 & LOTS 1 THRU 4 BLK 2 CLIFF LAKE TOWNHOMES 2ND |
| Legal Subdivision | CLIFF LAKE TOWNHOMES 2ND ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 95 |
| Legal Unit | 95 |
| Jurisdiction | DAKOTA MN |
| Township / Civil Division | EAGAN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 60735 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4413 NAPER BAY, SAINT PAUL, MN 55122-2473 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Jul 1, 2019 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on Record |
| Deed Sale | Jul 1, 2019 · Amount on Record |
| Prior Sale | May 28, 2004 · Amount on Record |
| Deed Document Number | 20193312724 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 4413 NAPER BAY, EAGAN, MN 55122-2473 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 4413 NAPER BAY, EAGAN, MN 55122-2473 |
| Document Number | 0003616633 |
|---|---|
| Date | Jan 22, 2024 |
| Instrument | 3616633 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Jul 1, 2019 |
| Property Address | 4413 NAPER BAY, EAGAN, MN 55122-2473 |
| Document Number | 0003312724 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 3312724 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | EDGEWATER TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $577.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4413 NAPER BAY, SAINT PAUL, MN 55122-2473 |
| Document Number | 0003312725 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 3312725 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Dakota County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Dakota County |
| Municipality | Eagan City |
| Unified School District | Rosemount-Apple Valley-Eagan (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,330.00 | $220,500 Land $41,000 Building $179,500 | $220,500 Land $41,000 Building $179,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · 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 | 2 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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 |
| CenturyLink DSL | 140 / 20 |
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