4840 Clearwater Cir, Savage, MN 55378 Property Records

Scott County property record for 4840 Clearwater Cir, Savage, MN 55378

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,324 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$5,254 (2026)
Deeds & Mortgages	Jun 2017 Line of Credit Nov 2019 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-227015-0`

Property Details

APN / Parcel Number

Primary APN	`26-227015-0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,324 sqft Living Area
Gross Area	3,123 sqft
1st Floor Area	1,542 sqft
Basement Area	711 sqft
Finished Basement	350 sqft
Unfinished Basement	361 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Area	687 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	184 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	4840 CLEARWATER CIR
City	SAVAGE
State	MN
Zip	55378-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POINTE RAPIDS LOT 015 BLOCK 001
Legal Subdivision	POINTE RAPIDS
Legal Block	1
Legal Lot Number	15
Jurisdiction	SCOTT MN
Township / Civil Division	SAVAGE
Census Block Group	1
Census Block	1018
Census Tract	80207

Owner

4840 Clearwater Cir is owned and occupied by an individual.

Source: Scott County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4840 CLEARWATER CIR, SAVAGE, MN 55378-5624
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 1, 2019	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Oct 9, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT MN
Property Address	4840 CLEARWATER CIR, SAVAGE, MN 55378-5624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000245753
Date	Jun 19, 2017
Instrument	0245753

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 16, 2047

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT MN
Property Address	4840 CLEARWATER CIR, SAVAGE, MN 55378-5624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000258191
Date	Nov 1, 2019
Instrument	258191

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.22%
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT MN
Property Address	4840 CLEARWATER CIR, SAVAGE, MN 55378-5624
Document Number	0000258192
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 CLEARWATER CIR SAVAGE MN 553785624, SAVAGE, MN 55378-5624

Mortgage

Document Number	0000258192
Date	Nov 1, 2019
Instrument	258192

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.22%

Tax Assessment & Valuation

The 2026 property tax bill for 4840 Clearwater Cir was $5,254 with a homeowner's exemption, up 2.8% from the year before.

Source: Scott County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Scott County
Municipality	Savage City
Unified School District	Prior Lake-Savage Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,254.00 (+2.78%) Homeowner's exemption	$491,500 Land $153,600 Building $337,900	$491,500 Land $153,600 Building $337,900
2025	$5,112.00 (-2.92%)
2024	$5,266.00 (+1.74%) Homeowner's exemption	$486,400 (+4.56%) Land $136,400 Building $350,000	$486,400 (+4.56%) Land $136,400 Building $350,000
2023	$5,176.00 Homeowner's exemption	$465,200 Land $129,900 Building $335,300	$465,200 Land $129,900 Building $335,300

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

Flood

FEMA maps place 4840 Clearwater Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 6, 2026 · 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	7 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

Wildfire risk around 4840 Clearwater Cir is low, with a 0.01% annual chance of 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	Savage serves 30,285 people · EPA ID MN1700008
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium not recorded as resolved · Apr 2024
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. 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nuvera Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Netwave Broadband.

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