7223 109th Cir N, Champlin, MN 55316 Property Records

Hennepin County property record for 7223 109th Cir N, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 972 sqft · built 1986
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Mar 2026)
Tax Bill	$4,982 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-120-21-34-0033`

Property Details

APN / Parcel Number

Primary APN	`32-120-21-34-0033`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	972 sqft Living Area
Gross Area	1,959 sqft
1st Floor Area	972 sqft
Basement Area	547 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Depth	140 ft Depth
View / Lot	Lake
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7223 109TH CIR N
City	CHAMPLIN
State	MN
Zip	55316-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 024 BLOCK 003 A HELMER ADDN N55X140X158X140
Legal Range	21
Legal Township	120
Legal Section	32
Legal Quarter	34
Legal Subdivision	HELMER ADDN
Legal Block	3
Legal Lot Number	24
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	4
Census Block	4007
Census Tract	26908

Owner

7223 109th Cir N is owned and occupied by two individuals who bought it in March 2026.

Source: Hennepin County records, as of July 1, 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	7223 109TH CIR N, CHAMPLIN, MN 55316-3816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Nov 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage SERVION INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Deed Document Number	202611451269
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Mar 31, 2026
Property Address	7223 109TH CIR N, CHAMPLIN, MN 55316-3816
Document Number	0A11451269
Instrument Date	Mar 16, 2026
Instrument	A11451269
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,336.50
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	7223 109TH CIR N, CHAMPLIN, MN 55316-3816

Mortgage

Document Number	0A11451270
Date	Mar 31, 2026
Instrument	A11451270

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	7223 109TH CIR N, CHAMPLIN, MN 55316-3816
Document Number	0010712459
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7223 109TH CIR N CHAMPLIN MN 553163816, CHAMPLIN, MN 55316-3816

Mortgage

Document Number	0010712459
Date	Oct 14, 2019
Instrument	10712459

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2049

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	7223 109TH CIR N, CHAMPLIN, MN 55316-3816
Document Number	0010609288
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7223 109TH CIR N CHAMPLIN MN 553163816, CHAMPLIN, MN 55316-3816

Mortgage

Document Number	0010609288
Date	Nov 7, 2018
Instrument	10609288

Lender

Name	SERVION INC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 7223 109th Cir N was $4,982, down 3.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,982.00 (-3.43%) Homeowner's exemption	$336,300 (-4.97%) Land $98,900 Building $237,400	$336,300 (-4.97%) Land $98,900 Building $237,400
2024	$5,159.00 (+7.37%)	$353,900 Land $118,500 Building $235,400	$353,900 Land $118,500 Building $235,400
2023	$4,805.00 Homeowner's exemption
2022		$329,000 Land $105,000 Building $224,000	$329,000 Land $105,000 Building $224,000

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

Flood

FEMA maps place 7223 109th Cir N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 25, 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 7223 109th Cir N 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 96% of the US · lower than 86% 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	Champlin serves 23,919 people · EPA ID MN1270006
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) 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 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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