Anoka County property record for 498 Aqua Ln, Circle Pines, MN 55014
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,368 sqft · built 2000 |
| Lot Size | 0.813 acres (35,442 sqft) |
| Owner | Individual Name on File |
| Last Sale | $840,000 (Nov 2022) |
| Tax Bill | $10,325 (2026) |
| Deeds & Mortgages | May 2017 Line of Credit Oct 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-31-22-23-0016 |
| Primary APN | 20-31-22-23-0016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,368 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Metal |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 35,442 sqft (0.813 acres) |
| Garage Area | 1,280 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | 336 sqft |
| Storage Building | 3,180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 498 AQUA LN |
|---|---|
| City | CIRCLE PINES |
| State | MN |
| Zip | 55014-1998 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLOCK 1 SURFSIDE ADD |
| Legal Range | 22W |
| Legal Township | 31N |
| Legal Section | 20 |
| Legal Subdivision | SURFSIDE ADD |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | ANOKA MN |
| Township / Civil Division | LINO LAKES |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 50237 |
498 Aqua Ln is owned and occupied by an individual who bought it in November 2022.
Source: Anoka County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 498 AQUA LN, CIRCLE PINES, MN 55014-1998 |
| 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.
| Date | Document |
|---|---|
| May 19, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Oct 3, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Nov 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2022 · Amount on File |
| Deed Sale | Nov 22, 2022 · Amount on File |
| Prior Sale | Dec 22, 1999 · Amount on File |
| Deed Document Number | 20221492254 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANOKA MN |
| Property Address | 498 AQUA LN, CIRCLE PINES, MN 55014-1998 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | A2170863001 |
|---|---|
| Date | May 19, 2017 |
| Instrument | A2170863.001 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANOKA MN |
| Property Address | 498 AQUA LN, CIRCLE PINES, MN 55014-1998 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 498 AQUA LN, LINO LAKES, MN 55014-1998 |
| Document Number | A2377203001 |
|---|---|
| Date | Oct 3, 2022 |
| Instrument | A2377203.001 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ANOKA MN |
| Recording Date | Nov 23, 2022 |
| Property Address | 498 AQUA LN, CIRCLE PINES, MN 55014-1998 |
| Document Number | A2380844003 |
| Instrument Date | Nov 22, 2022 |
| Instrument | A2380844.003 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,772.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 498 AQUA LN, LINO LAKES, MN 55014-1998 |
| Investor | Possibly a Property Investor |
| Document Number | A2380844004 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | A2380844.004 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2026 property tax bill for 498 Aqua Ln was $10,325 with a homeowner's exemption.
Source: Anoka County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Anoka County |
| Municipality | Lino Lakes City |
| Unified School District | Centennial Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,325.00 Homeowner's exemption | $756,300 Land $200,000 Building $556,300 | $756,300 Land $200,000 Building $556,300 |
| 2024 | $7,832.00 | $715,400 Land $175,000 Building $540,400 | $715,400 Land $175,000 Building $540,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 498 Aqua Ln 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 November 30, 2025 · 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 | 1 in force |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 risk around 498 Aqua Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 64% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Lino Lakes serves 18,608 people · EPA ID MN1020023 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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