10 Bay St, Excelsior, MN 55331 Property Records

Hennepin County property record for 10 Bay St, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,312 sqft · built 1960
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (May 2011)
Tax Bill	$15,711 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-117-23-44-0012`

Property Details

APN / Parcel Number

Primary APN	`28-117-23-44-0012`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Building Area	1,312 sqft Living Area
Gross Area	2,090 sqft
1st Floor Area	1,312 sqft
Basement Area	778 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	340 ft deep x 52 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	576 sqft
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	10 BAY ST
City	EXCELSIOR
State	MN
Zip	55331-8509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 048 A BRENTWOOD LOTS 48 AND 49 INCL ADJ VAC LAFAYETTE AVE S 52X340X50X350
Legal Range	23
Legal Township	117
Legal Section	28
Legal Quarter	44
Legal Subdivision	BRENTWOOD
Legal Block	1
Legal Lot Number	48
Jurisdiction	HENNEPIN MN
Township / Civil Division	TONKA BAY
Census Block Group	1
Census Block	1009
Census Tract	27501

Owner

Source: Hennepin County records, as of June 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2413 INDIAN RD W, HOPKINS, MN 55305-2221
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE AREA MORTGAGE
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2011 · Amount on Record
Deed Sale	May 5, 2011 · Amount on Record
Deed Document Number	201133766
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Recording Date	May 20, 2026
Property Address	10 BAY ST, EXCELSIOR, MN 55331-8509
Document Number	0011463009
Instrument Date	May 20, 2026
Instrument	202611463009
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27985 SMITHTOWN RD, EXCELSIOR, MN 55331-7912

Mortgage

Document Number	0011463009,
Date	May 20, 2026
Instrument	202611463009

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10 BAY ST, EXCELSIOR, MN 55331-8509
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A10935629
Date	Mar 23, 2021
Instrument	A10935629

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company
Address	SAINT PAUL, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10 BAY ST, EXCELSIOR, MN 55331-8509
Document Number	0010707825
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 BAY ST EXCELSIOR MN 553318509, EXCELSIOR, MN 55331-8509

Mortgage

Document Number	0010707825
Date	Oct 1, 2019
Instrument	10707825

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Tonka Bay City
Unified School District	Minnetonka Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,711.00 (+6.48%)	$1,254,300 (+2.74%) Land $1,059,900 Building $194,400	$1,254,300 (+2.74%) Land $1,059,900 Building $194,400
2024	$14,755.00 (+13.87%)	$1,220,800 (+8.81%) Land $1,059,900 Building $160,900	$1,220,800 (+8.81%) Land $1,059,900 Building $160,900
2023	$12,958.00
2022		$1,122,000 Land $945,000 Building $177,000	$1,122,000 Land $945,000 Building $177,000

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 December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1987–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2017 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, Jul 1987 · 2 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

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	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	Tonka Bay serves 1,442 people · EPA ID MN1270013
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2021–2023) 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Metronet, Verizon.

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