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Single Family ResidenceResidential
$515,231$388 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $505,000 on Mar 10, 2025

4581 SADDLEWOOD DR

MINNETONKA, MN 55345
4
Beds
4.3
Baths
1,329 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.63 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$515K
$451K low$579K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$505,000 · Mar 10, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$118,231
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,585
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.77%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$397,000
SUMMIT MORTGAGE CORP · recorded Mar 3, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,726 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$428,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$202,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$225,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$431,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$428,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.31 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyHENNEPIN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1985
Lot (acres)The size of the land the home sits on, from county records.0.63
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Package
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Lake
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 360 ft²Patio · 100 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Minnetonka Middle School EastA
Middle · Grades 6–8 · 0.7 mi
H
Minnetonka High SchoolA+
High · Grades 9–12 · 1.0 mi
E
Groveland ElementaryA+
Elementary · Grades KG–5 · 1.6 mi

District: Minnetonka Public School District

Neighborhood · ZIP 55345These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.60
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.22,380
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,931 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$130,127
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$151,732
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4581 Saddlewood Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 82% of homes in Hennepin County
  • Costs more per square foot than 93% of homes in Minnetonka 55345
  • Smaller than 68% of homes in Minnetonka 55345
  • Has a bigger lot than 82% of homes in Hennepin County
  • Newer than 78% of homes in Minnetonka 55345

What homes are worth in Minnetonka 55345

Each bar is how many homes fall in that price range. The marker is this home.

This home
$205K$1.2M

This home is worth more than 73% of homes in Minnetonka 55345.

How it measures up in Minnetonka 55345

The dot is this home. The mark in the middle is the typical home in Minnetonka 55345.

Estimated value$515,231
CheaperTypical $402,773Pricier

Pricier than 73% of homes nearby

Price per ft²$388
CheaperTypical $254Pricier

Pricier than 93% of homes nearby

Living area1,329 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 32% of homes nearby

Lot size0.63 ac
SmallerTypical 0.51 acBigger

Bigger than 77% of homes nearby

Year built1984
OlderTypical 1968Newer

Newer than 78% of homes nearby

How 4581 Saddlewood Dr ranks against every home in each area.
MeasureThis homeMinnetonka 55345Hennepin County
Estimated valuepricier than$515,23173% of homes82% of homes
Price per ft²pricier than$38893% of homes93% of homes
Living areabigger than1,329 ft²32% of homes47% of homes
Lot sizebigger than0.63 ac77% of homes82% of homes
Year builtnewer than198478% of homes68% of homes

About 4581 Saddlewood Dr

How much is 4581 Saddlewood Dr, Minnetonka, MN worth?

The TopHap Estimate for 4581 Saddlewood Dr, Minnetonka, MN is $515,231 as of Jul 14, 2026. The likely range is $451,311 to $579,151. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4581 Saddlewood Dr, Minnetonka, MN last sell?

4581 Saddlewood Dr, Minnetonka, MN last sold on Mar 10, 2025 for $505,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 4581 Saddlewood Dr, Minnetonka, MN?

4581 Saddlewood Dr, Minnetonka, MN has 4 bedrooms, 4.3 bathrooms, 1,329 square feet of living space and a 0.63-acre lot.

When was 4581 Saddlewood Dr, Minnetonka, MN built?

4581 Saddlewood Dr, Minnetonka, MN was built in 1984, making it 42 years old. It is a split level home. The building has 1 story.

What schools serve 4581 Saddlewood Dr, Minnetonka, MN?

4581 Saddlewood Dr, Minnetonka, MN is assigned to Minnetonka Middle School East (middle), rated A; Minnetonka High School (high), rated A+; Groveland Elementary (elementary), rated A+. All sit in Minnetonka Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4581 Saddlewood Dr, Minnetonka, MN compare to other homes in Minnetonka 55345?

Among the 7,968 homes in Minnetonka 55345, it is worth more than 73% of them ($515,231 against a typical $402,773), its price per square foot is higher than 93% of them ($388 against a typical $254), it is bigger than 32% of them (1,329 ft² against a typical 1,536 ft²), its lot is bigger than 77% of them (0.63 ac against a typical 0.51 ac) and it is newer than 78% of them (1984 against a typical 1968). Measured against all of Hennepin County, it is worth more than 82% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4581 Saddlewood Dr, Minnetonka, MN?

The 2025 property tax bill for 4581 Saddlewood Dr, Minnetonka, MN was $5,726. The county assessed it at $428,400.

Closest homes

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Assigned schools

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