649 Arlo Ln, Circle Pines, MN 55014 Property Records

Anoka County property record for 649 Arlo Ln, Circle Pines, MN 55014

Property Summary

Property Type	Single Family Home
Details	1,333 sqft · built 2002
Lot Size	0.25 acres (10,880 sqft)
Owner	2 Individual Names on File
Last Sale	$277,000 (Jul 2016)
Tax Bill	$4,882 (2026)
Deeds & Mortgages	Dec 2023 Second Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-31-22-12-0085`

Property Details

APN / Parcel Number

Primary APN	`08-31-22-12-0085`
Alternative APN	`1480329`

Interior

Stories	1 Story
Building Area	1,333 sqft Living Area
1st Floor Area	1,333 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,880 sqft (0.25 acres)
Lot Dimensions	136 ft deep x 80 ft wide
Garage Area	616 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	649 ARLO LN
City	CIRCLE PINES
State	MN
Zip	55014-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLOCK 4 HIGHLAND MEADOWS WEST 3RD ADD
Legal Range	22W
Legal Township	31N
Legal Section	08
Legal Subdivision	HIGHLAND MEADOWS WEST 3RD ADD
Legal Block	4
Legal Lot Number	10
Jurisdiction	ANOKA MN
Township / Civil Division	LINO LAKES
Census Block Group	3
Census Block	3002
Census Tract	50233

Owner

649 Arlo Ln is owned and occupied by two individuals who bought it in July 2016.

Source: Anoka County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	649 ARLO LN, CIRCLE PINES, MN 55014-5506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
May 6, 2020	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2016 · Amount on File
Deed Sale	Jul 14, 2016 · Amount on File
Prior Sale	Nov 14, 2002 · Amount on File
Deed Document Number	20162142603001
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANOKA MN
Property Address	649 ARLO LN, CIRCLE PINES, MN 55014-5506
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 ARLO LN, LINO LAKES, MN 55014-5506

Mortgage

Document Number	A2404362001
Date	Dec 7, 2023
Instrument	A2404362.001

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 5, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANOKA MN
Property Address	649 ARLO LN, CIRCLE PINES, MN 55014-5506
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A2260290001
Date	May 6, 2020
Instrument	A2260290.001

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	204 Months
Due	May 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 649 Arlo Ln was $4,882 with a homeowner's exemption.

Source: Anoka County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Anoka County
Municipality	Lino Lakes City
Unified School District	Forest Lake Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,882.00 Homeowner's exemption	$431,600 Land $123,000 Building $308,600	$431,600 Land $123,000 Building $308,600
2024	$4,252.00	$411,600 Land $116,600 Building $295,000	$411,600 Land $116,600 Building $295,000

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

Flood

FEMA maps place 649 Arlo Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 649 Arlo Ln 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	None beyond 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	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

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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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