4878 Clearwater Cir, Savage, MN 55378 Property Records

Scott County property record for 4878 Clearwater Cir, Savage, MN 55378

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 2,462 sqft · built 1999
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Nov 2023)
Tax Bill	$7,288 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-227012-0`

Property Details

APN / Parcel Number

Primary APN	`26-227012-0`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	2,462 sqft Living Area
Gross Area	3,747 sqft
1st Floor Area	2,574 sqft
Basement Area	2,438 sqft
Unfinished Basement	2,438 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Stucco
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	295 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4878 CLEARWATER CIR
City	SAVAGE
State	MN
Zip	55378-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POINTE RAPIDS LOT 012 BLOCK 001
Legal Subdivision	POINTE RAPIDS
Legal Block	1
Legal Lot Number	12
Jurisdiction	SCOTT MN
Township / Civil Division	SAVAGE
Census Block Group	1
Census Block	1018
Census Tract	80207

Owner

4878 Clearwater Cir is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4878 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
Nov 29, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Sep 29, 2023	Intrafamily Transfer, Transfer
Nov 7, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Prior Sale	Dec 31, 1998 · Amount on File
Deed Document Number	2023282664
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	000T282075
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT MN
Recording Date	Nov 29, 2023
Property Address	4878 CLEARWATER CIR, SAVAGE, MN 55378-5624
Document Number	000T282664
Instrument Date	Oct 30, 2023
Instrument	T282664
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	FIRST FINANCIAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,716.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4878 CLEARWATER CIR, SAVAGE, MN 55378-5624

Mortgage

Document Number	000T282665
Date	Nov 29, 2023
Instrument	T282665

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCOTT MN
Recording Date	Sep 29, 2023
Property Address	4878 CLEARWATER CIR, SAVAGE, MN 55378-5624
Document Number	000T282075
Instrument Date	Jul 26, 2023
Instrument	T282075
Transaction Type	Transfer
Record Updated	Nov 17, 2023

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	Joint Tenants
Address	4878 CLEARWATER CIR, SAVAGE, MN 55378-5624

November 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SCOTT MN
Recording Date	Nov 7, 2023
Property Address	4878 CLEARWATER CIR, SAVAGE, MN 55378-5624
Document Number	000T282400
Instrument Date	Jul 26, 2023
Instrument	T282400
Transaction Type	Transfer
Record Updated	Nov 17, 2023

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

Tax Assessment & Valuation

The 2026 property tax bill for 4878 Clearwater Cir was $7,288 with a homeowner's exemption, up 16.9% 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	$7,288.00 (+16.91%) Homeowner's exemption	$646,800 (+1.49%) Land $186,000 Building $460,800	$646,800 (+1.49%) Land $186,000 Building $460,800
2025	$6,234.00 (-20.75%) Homeowner's exemption	$637,300 (+10.91%) Land $173,800 Building $463,500	$637,300 (+10.91%) Land $173,800 Building $463,500
2024	$7,866.00 (-0.53%) Homeowner's exemption	$574,600 (-18.14%) Land $173,400 Building $401,200	$574,600 (-18.14%) Land $173,400 Building $401,200
2023	$7,908.00 Homeowner's exemption	$701,900 Land $165,100 Building $536,800	$701,900 Land $165,100 Building $536,800

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

Flood

FEMA maps place 4878 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 4878 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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