4538 Oak Chase Way, Eagan (Saint Paul), MN 55123 Property Records

Dakota County property record for 4538 Oak Chase Way, Eagan, MN 55123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,803 sqft · built 1986
Lot Size	0.547 acres (23,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$532,500 (Nov 2021)
Tax Bill	$5,570 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-53505-02-040`

Property Details

APN / Parcel Number

Primary APN	`10-53505-02-040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,803 sqft Living Area
Gross Area	3,265 sqft
1st Floor Area	1,043 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1997
Construction Type	Wood
Lot Area	23,820 sqft (0.547 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4538 OAK CHASE WAY
City	SAINT PAUL
State	MN
Zip	55123-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK CHASE 6TH ADDITION 4 2
Legal Subdivision	OAK CHASE 6TH ADDITION
Legal Block	2
Legal Lot Number	40
Jurisdiction	DAKOTA MN
Township / Civil Division	EAGAN
Census Block Group	1
Census Block	1001
Census Tract	60731

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	4538 OAK CHASE WAY, SAINT PAUL, MN 55123-1819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit THINK MUTUAL BANK
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK
May 30, 2017	Trustee's Deed, Construction Loan · Construction Mortgage AMERICAN MTG & EQUITY CNSLTS I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Prior Sale	Jul 15, 1998 · Amount on Record
Deed Document Number	2021853838
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Nov 8, 2021
Property Address	4538 OAK CHASE WAY, EAGAN, MN 55123-1819
Document Number	0000853838
Instrument Date	Oct 27, 2021
Instrument	853838
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	EDINA REALTY TITLE, EDINA READY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,757.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4538 OAK CHASE WAY, EAGAN, MN 55123-1819

Mortgage

Document Number	0000853839
Date	Nov 8, 2021
Instrument	853839

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4538 OAK CHASE WAY, EAGAN, MN 55123-1819
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 OAK CHASE WAY, EAGAN, MN 55123-1819

Mortgage

Document Number	0000844805
Date	Jun 7, 2021
Instrument	844805

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4538 OAK CHASE WAY, EAGAN, MN 55123-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000830764
Date	Oct 27, 2020
Instrument	830764

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DAKOTA MN
Recording Date	May 30, 2017
Property Address	4538 OAK CHASE WAY, EAGAN, MN 55123-1819
Instrument Date	May 24, 2017
Instrument	777760
Transaction Type	Construction Loan
Record Updated	Jan 13, 2020
Title Company	CENTRAL TITLE COMPANY, PREMIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4538 OAK CHASE WAY EAGAN MN 551231819, EAGAN, MN 55123-1819

Mortgage

Document Number	0000777760
Date	May 30, 2017
Instrument	777760

Lender

Name	AMERICAN MTG & EQUITY CNSLTS I
Type	Mortgage Company
Address	BLOOMINGTON, MN 55435

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 29, 2032

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	$5,570.00	$481,700 Land $130,300 Building $351,400	$481,700 Land $130,300 Building $351,400

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 · 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	3 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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