4809 Upper Ter, Minneapolis, MN 55435 Property Records

Hennepin County property record for 4809 Upper Ter, Minneapolis, MN 55435

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,129 sqft · built 1958
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Apr 2024)
Tax Bill	$11,661 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30-028-24-33-0085`

Property Details

APN / Parcel Number

Primary APN	`30-028-24-33-0085`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,129 sqft Living Area
Gross Area	3,194 sqft
1st Floor Area	2,129 sqft
Basement Area	1,065 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	122 ft deep x 100 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	541 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	118 sqft
Deck Area	340 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	4809 UPPER TER
City	MINNEAPOLIS
State	MN
Zip	55435-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 024 BLOCK 008 T WOODHILL EDINA NE 100X122X85X126
Legal Range	24
Legal Township	028
Legal Section	30
Legal Quarter	33
Legal Subdivision	WOODHILL EDINA
Legal Block	8
Legal Lot Number	24
Jurisdiction	HENNEPIN MN
Township / Civil Division	EDINA
Census Block Group	1
Census Block	1008
Census Tract	24006

Owner

4809 Upper Ter is owned and occupied by two individuals who bought it in April 2024.

Source: Hennepin County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4809 UPPER TER, MINNEAPOLIS, MN 55435-1553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ENTRUST FINANCIAL CREDIT UNION
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CU
Apr 16, 2024	Warranty Deed, Transfer · Conventional Mortgage TRUSTONE FINANCIAL CU
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit ALERUS FIN'L
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit WINGS FIN'L CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on File
Deed Sale	Apr 16, 2024 · Amount on File
Prior Sale	Nov 14, 2016 · Amount on File
Deed Document Number	20246069333
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Recording Date	Apr 8, 2026
Property Address	4809 UPPER TER, MINNEAPOLIS, MN 55435-1553
Document Number	0006194333
Instrument Date	Mar 30, 2026
Instrument	20266194333
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006194333,
Date	Apr 8, 2026
Instrument	20266194333

Lender

Name	ENTRUST FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	4809 UPPER TER, EDINA, MN 55435-1553
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4809 UPPER TER, MINNEAPOLIS, MN 55435-1553

Mortgage

Document Number	00T6186580
Date	Feb 20, 2026
Instrument	T6186580

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 19, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Apr 16, 2024
Property Address	4809 UPPER TER, EDINA, MN 55435-1553
Document Number	00T6069333
Instrument Date	Apr 10, 2024
Instrument	T6069333
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,805.00
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	4809 UPPER TER, EDINA, MN 55435-1553

Mortgage

Document Number	00T6069334
Date	Apr 16, 2024
Instrument	T6069334

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	4809 UPPER TER, EDINA, MN 55435-1553
Document Number	0005652419
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4809 UPPER TER EDINA MN 554351553, EDINA, MN 55435-1553

Mortgage

Document Number	0005652419
Date	Oct 10, 2019
Instrument	5652419

Lender

Name	ALERUS FIN'L
Type	Funding / Finance Company
Address	GRAND FORKS, ND 58201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 9, 2039

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	4809 UPPER TER, EDINA, MN 55435-1553
Document Number	0005577521
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Dec 6, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4809 UPPER TER EDINA MN 554351553, EDINA, MN 55435-1553

Mortgage

Document Number	0005577521
Date	Nov 21, 2018
Instrument	5577521

Lender

Name	WINGS FIN'L CU
Address	APPLE VALLEY, MN 55124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 20, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4809 Upper Ter was $11,661, up 16.9% from the year before.

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Edina City
Unified School District	Edina Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,661.00 (+16.91%)	$825,000 (+10.84%) Land $454,200 Building $370,800	$825,000 (+10.84%) Land $454,200 Building $370,800
2024	$9,974.00 (+10.66%)	$744,300 Land $418,700 Building $325,600	$744,300 Land $418,700 Building $325,600
2023	$9,013.00
2022		$704,000 Land $376,300 Building $327,700	$704,000 Land $376,300 Building $327,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4809 Upper Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · 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	6 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

The area around 4809 Upper Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Edina serves 53,494 people · EPA ID MN1270011
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

4809 Upper Ter, Minneapolis, MN 55435 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Upper Ter

Nearby Streets

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