630 Gardner St, Wayzata, MN 55391 Property Records

Hennepin County property record for 630 Gardner St, Wayzata, MN 55391

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,212 sqft · built 2016
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$2,279,500 (Apr 2025)
Tax Bill	$19,234 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-117-22-13-0102`

Property Details

APN / Parcel Number

Primary APN	`06-117-22-13-0102`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,212 sqft Living Area
Gross Area	5,456 sqft
1st Floor Area	1,440 sqft
2nd Floor Area	1,791 sqft
Basement Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	780 sqft
Porch	Enclosed Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	630 GARDNER ST
City	WAYZATA
State	MN
Zip	55391-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 BLOCK 020 A WAYZATA REVISED 66 X 165
Legal Range	22
Legal Township	117
Legal Section	06
Legal Quarter	13
Legal Subdivision	WAYZATA REVISED
Legal Block	20
Legal Lot Number	5
Jurisdiction	HENNEPIN MN
Township / Civil Division	WAYZATA
Census Block Group	2
Census Block	2016
Census Tract	27300

Owner

630 Gardner St is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	630 GARDNER ST, WAYZATA, MN 55391-1035
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 25, 2025	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MTG
Apr 17, 2017	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Prior Sale	Jul 26, 2016 · Amount on File
Deed Document Number	20256132041
Prior Transfer Date	Jul 18, 2016
Prior Transfer Doc	0005367060
Record Updated	Sep 20, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Apr 25, 2025
Property Address	630 GARDNER ST, WAYZATA, MN 55391-1035
Document Number	00T6132041
Instrument Date	Apr 25, 2025
Instrument	T6132041
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	CBD TITLE LLC, CHB TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,522.35
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	630 GARDNER ST, WAYZATA, MN 55391-1035

Mortgage

Document Number	00T6132042
Date	Apr 25, 2025
Instrument	T6132042

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	630 GARDNER ST, WAYZATA, MN 55391-1035
Document Number	0005739366
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 16, 2020
Title Company	ESQUIRE TITLE, ESQUIRE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	630 GARDNER ST WAYZATA MN 553911035, WAYZATA, MN 55391-1035

Mortgage

Document Number	0005739366
Date	Aug 25, 2020
Instrument	5739366

Lender

Name	TRADITION MTG
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	630 GARDNER ST, WAYZATA, MN 55391-1035
Document Number	0005437491
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	CUSTOM HOME BUILDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	630 GARDNER ST WAYZATA MN 553911035, WAYZATA, MN 55391-1035

Mortgage

Document Number	0005437491
Date	Apr 24, 2017
Instrument	5437491

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 23, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 630 Gardner St was $19,234.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,234.00	$1,545,400 Land $698,300 Building $847,100	$1,545,400 Land $698,300 Building $847,100
2023	$14,090.00 Homeowner's exemption
2022		$1,200,000 Land $432,000 Building $768,000	$1,200,000 Land $432,000 Building $768,000

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

Flood

FEMA maps place 630 Gardner St 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 December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Jul 1987 · Severe Storms, Tornadoes & Flooding

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 630 Gardner St 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	Wayzata serves 4,592 people · EPA ID MN1270054
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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