868 Bluff Cir, Mendota Heights (Saint Paul), MN 55118 Property Records

Dakota County property record for 868 Bluff Cir, Mendota Heights, MN 55118

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,721 sqft · built 1992
Lot Size	0.829 acres (36,117 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,378 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-56600-02-010`

Property Details

APN / Parcel Number

Primary APN	`27-56600-02-010`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,721 sqft Living Area
Gross Area	5,529 sqft
1st Floor Area	2,070 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1993
Construction Type	Wood
Lot Area	36,117 sqft (0.829 acres)
Garage Type	Attached
Garage Area	808 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	868 BLUFF CIR
City	SAINT PAUL
State	MN
Zip	55118-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK PLACE 1 2
Legal Subdivision	PARK PLACE
Legal Block	2
Legal Lot Number	10
Jurisdiction	DAKOTA MN
Township / Civil Division	MENDOTA HEIGHTS
Census Block Group	3
Census Block	3005
Census Tract	60603

Owner

868 Bluff Cir is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	868 BLUFF CIR, SAINT PAUL, MN 55118-2746
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
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit GATEWAY BANK FSB
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FEDERAL BANK FSB
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FED'L BK FSB
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FED'L BK FSB
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FED'L BK FSB
Jun 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FED'L BK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746

Mortgage

Document Number	0000841167
Date	Apr 7, 2021
Instrument	841167

Lender

Name	GATEWAY BANK FSB
Type	Bank
Address	SAINT PAUL, MN 55118

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	35 Months
Due	Mar 17, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000831541
Date	Nov 5, 2020
Instrument	831541

Lender

Name	CUMBERLAND FEDERAL BANK FSB
Type	Bank
Address	54289

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746
Document Number	0000831542
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000831542
Date	Nov 5, 2020
Instrument	831542

Lender

Name	CUMBERLAND FED'L BK FSB
Type	Federal Savings Bank
Address	CUMBERLAND, WI 54829

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746
Document Number	0000825051
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	868 BLUFF CIR MENDOTA HEIGHTS MN 551182746, MENDOTA HEIGHTS, MN 55118-2746

Mortgage

Document Number	0000825051
Date	Jul 27, 2020
Instrument	825051

Lender

Name	CUMBERLAND FED'L BK FSB
Type	Federal Savings Bank
Address	CUMBERLAND, WI 54829

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 26, 2025

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746
Document Number	0000819375
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	868 BLUFF CIR MENDOTA HEIGHTS MN 551182746, MENDOTA HEIGHTS, MN 55118-2746

Mortgage

Document Number	0000819375
Date	Apr 2, 2020
Instrument	819375

Lender

Name	CUMBERLAND FED'L BK FSB
Type	Federal Savings Bank
Address	CUMBERLAND, WI 54829

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	868 BLUFF CIR, MENDOTA HEIGHTS, MN 55118-2746
Document Number	0000780048
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	868 BLUFF CIR MENDOTA HEIGHTS MN 551182746, MENDOTA HEIGHTS, MN 55118-2746

Mortgage

Document Number	0000780048
Date	Jul 20, 2017
Instrument	780048

Lender

Name	CUMBERLAND FED'L BK FSB
Type	Federal Savings Bank
Address	CUMBERLAND, WI 54829

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 19, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 868 Bluff Cir was $11,378 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Dakota County
Municipality	Mendota Heights City
Unified School District	West St. Paul-Mendota Heights-Eagan (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,378.00	$1,039,100 Land $288,400 Building $750,700	$1,039,100 Land $288,400 Building $750,700

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

Flood

FEMA maps place 868 Bluff Cir in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	36 (1979–2024)
Most Recent Claim	Jun 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2023 · 6 claims Severe Winter Storm, Straight-line Winds, And Flooding, Apr 2019 · 6 claims Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2014 · 3 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 868 Bluff 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 98% of the US · lower than 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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