641 Harmony Cir, Wayzata, MN 55391 Property Records

Hennepin County property record for 641 Harmony Cir, Wayzata, MN 55391

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,386 sqft · built 2018
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$679,000 (Jul 2020)
Tax Bill	$9,317 (2025)
Deeds & Mortgages	Jul 2020 Sale Nov 2019 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`31-118-22-44-0052`

Property Details

APN / Parcel Number

Primary APN	`31-118-22-44-0052`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	2,079 sqft
1st Floor Area	1,386 sqft
Basement Area	693 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	16,988 sqft (0.39 acres)
Lot Depth	254 ft Depth

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	641 HARMONY CIR
City	WAYZATA
State	MN
Zip	55391-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 001 BLOCK 001 A BAILEY WOODS E66X254X75X269
Legal Range	22
Legal Township	118
Legal Section	31
Legal Quarter	44
Legal Subdivision	BAILEY WOODS
Legal Block	1
Legal Lot Number	1
Jurisdiction	HENNEPIN MN
Township / Civil Division	WAYZATA
Census Block Group	4
Census Block	4003
Census Tract	27300

Owner

641 Harmony Cir is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	641 HARMONY CIR, WAYZATA, MN 55391-1105
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
Jul 1, 2020	Warranty Deed, Transfer CUSTOM HOME BUILDERS TITLE
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MTG
May 21, 2018	Trustee's Deed, Construction Loan · Construction Mortgage TRADITION MTG
Feb 23, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Deed Document Number	202010806326
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jul 1, 2020
Property Address	641 HARMONY CIR, WAYZATA, MN 55391-1105
Document Number	0010806326
Instrument Date	Jun 30, 2020
Instrument	10806326
Transaction Type	Transfer
Record Updated	Jul 16, 2020
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Amount	Amount on Record
Tax	$2,309.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 LAKE RD WAYZATA MN 553919756, WAYZATA, MN 55391-9756

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	641 HARMONY CIR, WAYZATA, MN 55391-1105
Document Number	0010731771
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 HARMONY CIR WAYZATA MN 553911105, WAYZATA, MN 55391-1105

Mortgage

Document Number	0010731771
Date	Dec 4, 2019
Instrument	10731771

Lender

Name	TRADITION MTG
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 21, 2018
Property Address	641 HARMONY CIR, WAYZATA, MN 55391-1105
Instrument Date	May 17, 2018
Instrument	10554650
Transaction Type	Construction Loan
Record Updated	Jun 1, 2018
Title Company	METRO LEGAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 HARMONY CIR WAYZATA MN 553911105, WAYZATA, MN 55391-1105

Mortgage

Document Number	0010554650
Date	May 21, 2018
Instrument	10554650

Lender

Name	TRADITION MTG
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 20, 2019

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENNEPIN MN
Recording Date	Feb 23, 2018
Property Address	641 HARMONY CIR, WAYZATA, MN 55391-1105
Document Number	0010530850
Instrument Date	Feb 20, 2018
Instrument	10530850
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 HARMONY CIR WAYZATA MN 553911105, WAYZATA, MN 55391-1105

Tax Assessment & Valuation

The 2025 property tax bill for 641 Harmony Cir was $9,317.

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	$9,317.00	$792,300 Land $269,100 Building $523,200	$792,300 Land $269,100 Building $523,200
2023	$8,113.00 Homeowner's exemption
2022		$727,000 Land $221,000 Building $506,000	$727,000 Land $221,000 Building $506,000

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

Flood

FEMA maps place 641 Harmony Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	10 (1999–2019)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Mar 2019 · Severe Winter Storm, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2014 · 2 claims

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 641 Harmony Cir is low, with less than 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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