446 Riverpointe Ct, Watertown, MN 55388 Property Records

Carver County property record for 446 Riverpointe Ct, Watertown, MN 55388

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 2020
Lot Size	0.074 acres (3,223 sqft)
Owner	Individual Name on Record
Last Sale	$239,900 (Feb 2021)
Tax Bill	$3,358 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85-3980310`

Property Details

APN / Parcel Number

Primary APN	`85-3980310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,408 sqft Finished Area
Basement Area	26 sqft
Unfinished Basement	26 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Split Level
Construction Type	Frame
Lot Area	3,223 sqft (0.074 acres)
Garage Area	520 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	446 RIVERPOINTE CT
City	WATERTOWN
State	MN
Zip	55388-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 08 TOWNSHIP 117 RANGE 025 RIVERPOINTE LOT 018 BLOCK 002
Legal Range	025
Legal Township	117
Legal Section	08
Legal Subdivision	RIVERPOINTE
Legal Block	2
Legal Lot Number	18
Jurisdiction	CARVER MN
Township / Civil Division	WATERTOWN
Census Block Group	1
Census Block	1020
Census Tract	90102

Owner

Source: Carver County records, as of August 14, 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	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
May 6, 2020	Warranty Deed, Transfer NOT AVAILABLE
Mar 28, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	Sep 8, 2016 · Amount on Record
Deed Document Number	2021717175
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544

Mortgage

Document Number	000A754474
Date	Nov 14, 2022
Instrument	A754474

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Feb 8, 2021
Property Address	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544
Document Number	000A717175
Instrument Date	Dec 10, 2020
Instrument	A717175
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544

Mortgage

Document Number	000A717176
Date	Feb 8, 2021
Instrument	A717176

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	May 6, 2020
Property Address	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544
Document Number	0000695412
Instrument Date	Apr 28, 2020
Instrument	695412
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2850 CUTTERS GROVE AVE #207 ANOKA MN 553034987, 207, ANOKA, MN 55303-4987

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Mar 28, 2017
Property Address	446 RIVERPOINTE CT, WATERTOWN, MN 55388-4544
Document Number	0000643084
Instrument Date	Mar 1, 2017
Instrument	643084
Transaction Type	Transfer
Record Updated	Jul 26, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3495 NORTHDALE BLVD NW #210 COON RAPIDS MN 554486718, 210, COON RAPIDS, MN 55448-6718

Tax Assessment & Valuation

Source: Carver County assessment roll, as of August 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carver County
Municipality	Watertown City
Unified School District	Watertown-Mayer Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,358.00 (+10.17%) Homeowner's exemption	$285,500 (-0.63%) Land $70,000 Building $215,500	$285,500 (-0.63%) Land $70,000 Building $215,500
2025		$287,300 (+9.53%) Land $65,000 Building $222,300	$287,300 (+9.53%) Land $65,000 Building $222,300
2024	$3,048.00 (+0.79%) Homeowner's exemption	$262,300 (-) Land $40,000 Building $222,300	$262,300 (-) Land $40,000 Building $222,300
2023	$3,024.00 Homeowner's exemption	$262,300 Land $40,000 Building $222,300	$262,300 Land $40,000 Building $222,300

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 November 23, 2023 · 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
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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 92% 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	Watertown serves 4,550 people · EPA ID MN1100012
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	4 ppb (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	1 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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