657 E 1st St, Waconia, MN 55387 Property Records

Carver County property record for 657 E 1st St, Waconia, MN 55387

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,324 sqft · built 1992
Lot Size	0.071 acres (3,093 sqft)
Owner	Individual Name on Record
Last Sale	$202,500 (Jan 2020)
Tax Bill	$4,932 (2026)
Deeds & Mortgages	Jan 2020 Sale Nov 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`75-4640160`

Property Details

APN / Parcel Number

Primary APN	`75-4640160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,324 sqft Finished Area
Gross Area	3,370 sqft
1st Floor Area	1,324 sqft
Basement Area	978 sqft
Finished Basement	978 sqft
Unfinished Basement	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,093 sqft (0.071 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	657 E 1ST ST
City	WACONIA
State	MN
Zip	55387-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 13 TOWNSHIP 116 RANGE 025 SUMMERFIELD LOT 016 BLOCK 001
Legal Range	025
Legal Township	116
Legal Section	13
Legal Subdivision	SUMMERFIELD
Legal Block	1
Legal Lot Number	16
Jurisdiction	CARVER MN
Township / Civil Division	WACONIA
Census Block Group	2
Census Block	2009
Census Tract	90303

Owner

Source: Carver County records, as of August 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	657 E 1ST ST, WACONIA, MN 55387-1604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2020	Warranty Deed, Transfer TITLE MARK
Nov 6, 2018	Deed of Trust, Mortgage · Line of Credit WINGS FIN'L CU
Apr 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Prior Sale	Apr 14, 2004 · Amount on Record
Deed Document Number	2020212452
Prior Transfer Date	Mar 30, 2004
Prior Transfer Doc	0000062248
Record Updated	Sep 20, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	Jan 22, 2020
Property Address	657 E 1ST ST, WACONIA, MN 55387-1604
Document Number	0000212452
Instrument Date	Jan 14, 2020
Instrument	212452
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Tax	$668.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	657 E 1ST ST WACONIA MN 553871604, WACONIA, MN 55387-1604

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	657 E 1ST ST, WACONIA, MN 55387-1604
Document Number	0000208434
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	657 E 1ST ST WACONIA MN 553871604, WACONIA, MN 55387-1604

Mortgage

Document Number	0000208434
Date	Dec 3, 2018
Instrument	208434

Lender

Name	WINGS FIN'L CU
Address	AP VALLEY, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 2, 2038

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	657 E 1ST ST, WACONIA, MN 55387-1604
Document Number	0000206365
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018
Title Company	NETWORK TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	657 E 1ST ST WACONIA MN 553871604, WACONIA, MN 55387-1604

Mortgage

Document Number	0000206365
Date	May 10, 2018
Instrument	206365

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2033

Tax Assessment & Valuation

Source: Carver County assessment roll, as of August 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,932.00 (+12.6%) Homeowner's exemption	$383,500 (-2.07%) Land $90,000 Building $293,500	$383,500 (-2.07%) Land $90,000 Building $293,500
2025		$391,600 (+5.38%) Land $85,000 Building $306,600	$391,600 (+5.38%) Land $85,000 Building $306,600
2024	$4,380.00 (+4.94%) Homeowner's exemption	$371,600 (+2.48%) Land $65,000 Building $306,600	$371,600 (+2.48%) Land $65,000 Building $306,600
2023	$4,174.00 Homeowner's exemption	$362,600 Land $65,000 Building $297,600	$362,600 Land $65,000 Building $297,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 23, 2023

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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	Waconia serves 13,277 people · EPA ID MN1100010
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	10 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GigFire, Xtratyme Technologies.

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