4580 S Hay Lake Rd, Eagan (Saint Paul), MN 55123 Property Records

Dakota County property record for 4580 S Hay Lake Rd, Eagan, MN 55123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,880 sqft · built 1984
Lot Size	0.334 acres (14,537 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,978 (2025)
Deeds & Mortgages	Mar 2024 Transfer May 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-56150-01-080`

Property Details

APN / Parcel Number

Primary APN	`10-56150-01-080`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,880 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	1,089 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	14,537 sqft (0.334 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4580 S HAY LAKE RD
City	SAINT PAUL
State	MN
Zip	55123-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERHILL FARM 1ST ADD 8 1
Legal Subdivision	OVERHILL FARM 1ST ADD
Legal Block	1
Legal Lot Number	80
Jurisdiction	DAKOTA MN
Township / Civil Division	EAGAN
Census Block Group	1
Census Block	1012
Census Tract	60732

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	4580 S HAY LAKE RD, SAINT PAUL, MN 55123-3031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Intrafamily Transfer, Transfer
May 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUSTONE FINANCIAL CU
Jul 19, 2021	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Mar 20, 2018	Deed of Trust, Mortgage · ARM WINGS FINANCIAL CU
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINGS FINANCIAL CU

Assessor's Deed Record

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

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DAKOTA MN
Recording Date	Mar 15, 2024
Property Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031
Document Number	0003623478
Instrument Date	Mar 6, 2024
Instrument	3623478
Transaction Type	Transfer
Record Updated	Mar 28, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031

Mortgage

Document Number	0003587986
Date	May 22, 2023
Instrument	3587986

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 29, 2038

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031

Mortgage

Document Number	0003478214
Date	Jul 19, 2021
Instrument	3478214

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	Jul 18, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003241957
Date	Mar 20, 2018
Instrument	3241957

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	8.87%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	4580 S HAY LAKE RD, EAGAN, MN 55123-3031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003377909
Date	Jun 18, 2020
Instrument	3377909

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$4,978.00 (+31%)	$433,900 (+16.7%) Land $96,800 Building $337,100	$433,900 (+16.7%) Land $96,800 Building $337,100
2023	$3,800.00 Homeowner's exemption
2022		$371,800 Land $94,200 Building $277,600	$371,800 Land $94,200 Building $277,600

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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