9451 White Oaks Trl, Champlin, MN 55316 Property Records

Hennepin County property record for 9451 White Oaks Trl, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 1,668 sqft · built 1996
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Oct 2026)
Tax Bill	$6,114 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-120-21-23-0049`

Property Details

APN / Parcel Number

Primary APN	`31-120-21-23-0049`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,668 sqft Living Area
Gross Area	3,396 sqft
1st Floor Area	1,668 sqft
Basement Area	984 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	155 ft deep x 50 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	744 sqft
Deck Area	258 sqft
Patio Area	258 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9451 WHITE OAKS TRL
City	CHAMPLIN
State	MN
Zip	55316-2677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 026 BLOCK 001 T ENGSTROMS WHITE OAKS ADDN 50X155X50X148X119
Legal Range	21
Legal Township	120
Legal Section	31
Legal Quarter	23
Legal Subdivision	ENGSTROMS WHITE OAKS ADDN
Legal Block	1
Legal Lot Number	26
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	1
Census Block	1001
Census Tract	26907

Owner

9451 White Oaks Trl is owned and occupied by two individuals who bought it in October 2026.

Source: Hennepin County records, as of October 16, 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	9451 WHITE OAKS TRL, CHAMPLIN, MN 55316-2677
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Aug 29, 2024 · Amount on File
Deed Document Number	20266228788
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Oct 1, 2026
Property Address	9451 WHITE OAKS TRL, CHAMPLIN, MN 55316-2677
Document Number	0006228788
Instrument Date	Aug 14, 2026
Instrument	20266228788
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197,455.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9451 WHITE OAKS TRL, CHAMPLIN, MN 55316-2677
Investor	Possibly a Property Investor

Mortgage

Document Number	0006228788,
Date	Oct 1, 2026
Instrument	20266228788

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 9451 White Oaks Trl was $6,114, up 4.7% 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	$6,114.00 (+4.69%)	$499,400 (+2%) Land $121,000 Building $378,400	$499,400 (+2%) Land $121,000 Building $378,400
2024	$5,840.00 (+2.44%)	$489,600 Land $115,500 Building $374,100	$489,600 Land $115,500 Building $374,100
2023	$5,701.00 Homeowner's exemption
2022		$470,000 Land $110,000 Building $360,000	$470,000 Land $110,000 Building $360,000

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

Flood

FEMA maps place 9451 White Oaks Trl 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 9451 White Oaks Trl 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	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	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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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