4866 Clearwater Cir, Savage, MN 55378 Property Records

Scott County property record for 4866 Clearwater Cir, Savage, MN 55378

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,730 sqft · built 1997
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$228,508 (Mar 1997)
Tax Bill	$6,394 (2026)
Deeds & Mortgages	Sep 2026 Transfer Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-227013-0`

Property Details

APN / Parcel Number

Primary APN	`26-227013-0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,730 sqft Living Area
Gross Area	3,086 sqft
1st Floor Area	1,730 sqft
Basement Area	1,730 sqft
Finished Basement	1,000 sqft
Unfinished Basement	730 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	266 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4866 CLEARWATER CIR
City	SAVAGE
State	MN
Zip	55378-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POINTE RAPIDS LOT 013 BLOCK 001
Legal Subdivision	POINTE RAPIDS
Legal Block	1
Legal Lot Number	13
Jurisdiction	SCOTT MN
Township / Civil Division	SAVAGE
Census Block Group	1
Census Block	1018
Census Tract	80207

Owner

4866 Clearwater Cir is owned and occupied by an individual who acquired it in September 2026.

Source: Scott County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4866 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
Sep 29, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 20, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 1997 · Amount on File
Deed Sale	Mar 13, 1997 · Amount on File
Prior Sale	May 9, 1996 · Amount on File
Deed Document Number	19977179
Last Transfer Date	Sep 29, 2026
Transfer Doc	0000294362
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SCOTT MN
Recording Date	Sep 29, 2026
Property Address	4866 CLEARWATER CIR, SAVAGE, MN 55378-5624
Document Number	0000294362
Instrument Date	Sep 29, 2026
Instrument	2026294362
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 CLEARWATER CIR, SAVAGE, MN 55378-5624

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT MN
Property Address	4866 CLEARWATER CIR, SAVAGE, MN 55378-5624
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	TRADEMARK TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000272572
Date	Sep 15, 2021
Instrument	272572

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT MN
Property Address	4866 CLEARWATER CIR, SAVAGE, MN 55378-5624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAKESIDE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000256875
Date	Aug 20, 2019
Instrument	256875

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4866 Clearwater Cir was $6,394 with a homeowner's exemption, up 1.1% 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	$6,394.00 (+1.07%) Homeowner's exemption	$579,900 Land $187,700 Building $392,200	$579,900 Land $187,700 Building $392,200
2025	$6,326.00 (-0.35%)
2024	$6,348.00 (+0.92%) Homeowner's exemption	$581,800 (+4.62%) Land $175,100 Building $406,700	$581,800 (+4.62%) Land $175,100 Building $406,700
2023	$6,290.00 Homeowner's exemption	$556,100 Land $166,700 Building $389,400	$556,100 Land $166,700 Building $389,400

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

Flood

FEMA maps place 4866 Clearwater Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 4866 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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