10 Pearl St, Excelsior, MN 55331 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,077 sqft · built 1959
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$307,500 (Feb 2025)
Tax Bill	$7,019 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Feb 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-117-23-14-0012`

Property Details

APN / Parcel Number

Primary APN	`28-117-23-14-0012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,077 sqft Living Area
Gross Area	1,822 sqft
1st Floor Area	1,077 sqft
Basement Area	745 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	155 ft deep x 71 ft wide
View / Lot	Lake
Garage Type	Detached
Garage Area	528 sqft
Deck Area	327 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 PEARL ST
City	EXCELSIOR
State	MN
Zip	55331-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLOCK 004 A HOMES ON GIDEONS BAY LOT 3 AND THAT PART OF LOT 4 LYING NELY OF SWLY 9 FT THEREOF SE 71X155X73X185
Legal Range	23
Legal Township	117
Legal Section	28
Legal Quarter	14
Legal Subdivision	HOMES ON GIDEONS BAY
Legal Block	4
Legal Lot Number	3
Jurisdiction	HENNEPIN MN
Township / Civil Division	TONKA BAY
Census Block Group	3
Census Block	3013
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	Individual Name on Record
Mailing Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Feb 7, 2025	Deed, Transfer
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 16, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Dec 5, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 30, 2017	Warranty Deed, Construction Loan · Line of Credit GREAT STHRN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2025 · Amount on Record
Deed Sale	Feb 7, 2025 · Amount on Record
Prior Sale	Feb 7, 2025 · Amount on Record
Deed Document Number	202511347666
Prior Transfer Date	Apr 9, 2018
Prior Transfer Doc	0010544441
Record Updated	Sep 20, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Feb 7, 2025
Property Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Document Number	0A11347666
Instrument Date	Jan 30, 2025
Instrument	A11347666
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,014.75
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Investor	Possibly a Property Investor

Mortgage

Document Number	0A11347667
Date	Feb 7, 2025
Instrument	A11347667

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

February 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENNEPIN MN
Recording Date	Feb 7, 2025
Property Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Document Number	0A11347665
Instrument Date	Jan 28, 2025
Instrument	A11347665
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount Recorded
Tax	$1,014.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PEARL ST, EXCELSIOR, MN 55331-9567

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A10897504
Date	Jan 8, 2021
Instrument	A10897504

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Apr 16, 2018
Property Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Document Number	0010544441
Instrument Date	Apr 9, 2018
Instrument	10544441
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10 PEARL ST EXCELSIOR MN 553319567, EXCELSIOR, MN 55331-9567

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Dec 5, 2017
Property Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Document Number	0010507968
Instrument Date	Dec 1, 2017
Instrument	10507968
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,522.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 PEARL ST EXCELSIOR MN 553319567, EXCELSIOR, MN 55331-9567

Mortgage

Document Number	10507969
Date	Dec 5, 2017
Instrument	10507969

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	1800 W LARCHMONT AVE, CHICAGO, IL 60613-2448

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 4, 2037

January 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jan 30, 2017
Property Address	10 PEARL ST, EXCELSIOR, MN 55331-9567
Document Number	0010406643
Instrument Date	Dec 27, 2016
Instrument	10406643
Transaction Type	Construction Loan
Record Updated	Feb 14, 2017
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$799.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3903 COLGATE AVE MINNETONKA MN 553451708, MINNETONKA, MN 55345-1708

Mortgage

Document Number	10406644
Date	Jan 30, 2017
Instrument	10406644

Lender

Name	GREAT STHRN BK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 29, 2018

Interest

Rate Type	Adjustable Rate

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	$7,019.00 (+23.05%)	$604,000 (+12.69%) Land $242,000 Building $362,000	$604,000 (+12.69%) Land $242,000 Building $362,000
2023	$5,704.00
2022		$536,000 Land $209,000 Building $327,000	$536,000 Land $209,000 Building $327,000

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 Policies	8 in force
Nearby Flood Claims	2 (1980–2014)
Most Recent Claim	Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

10 Pearl St, Excelsior, MN 55331 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2025: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Warranty Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pearl St

Nearby Streets

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