10862 Cottage Ln, Hanover, MN 55341 Property Records

Hennepin County property record for 10862 Cottage Ln, Hanover, MN 55341

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.25 ba · 2,736 sqft · built 2005
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-119-24-12-0023`

Property Details

APN / Parcel Number

Primary APN	`02-119-24-12-0023`

Interior

Bedrooms	5 Beds
Full Baths	3.25 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,736 sqft Living Area
Gross Area	4,807 sqft
1st Floor Area	1,416 sqft
2nd Floor Area	1,320 sqft
Basement Area	1,019 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	175 ft deep x 204 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	1,052 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	234 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	10862 COTTAGE LN
City	HANOVER
State	MN
Zip	55341-3001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 006 BLOCK 004 A THE BRIDGES AT HANOVER NW 204X175X208
Legal Range	24
Legal Township	119
Legal Section	02
Legal Quarter	12
Legal Subdivision	THE BRIDGES AT HANOVER
Legal Block	4
Legal Lot Number	6
Jurisdiction	HENNEPIN MN
Township / Civil Division	HANOVER
Census Block Group	5
Census Block	5006
Census Tract	26912

Owner

10862 Cottage Ln is owned and occupied by two individuals who acquired it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10862 COTTAGE LN, HANOVER, MN 55341-3001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 2, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2013
Deed Sale	Jan 3, 2013
Prior Sale	Jun 14, 2005 · Amount on File
Deed Document Number	20139899397
Last Transfer Date	Apr 16, 2021
Transfer Doc	0010950995
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Apr 22, 2021
Property Address	10862 COTTAGE LN, HANOVER, MN 55341-3001
Document Number	0A10950995
Instrument Date	Apr 16, 2021
Instrument	A10950995
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10862 COTTAGE LN, HANOVER, MN 55341-3001

Mortgage

Document Number	0A10950996
Date	Apr 22, 2021
Instrument	A10950996

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10862 COTTAGE LN, HANOVER, MN 55341-3001
Document Number	0010504962
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10862 COTTAGE LN HANOVER MN 553413001, HANOVER, MN 55341-3001

Mortgage

Document Number	0010504962
Date	Nov 27, 2017
Instrument	10504962

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10862 Cottage Ln was $7,078.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Hanover City
Unified School District	Buffalo-Hanover-Montrose Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,078.00	$581,300 Land $52,500 Building $528,800	$581,300 Land $52,500 Building $528,800
2023	$6,610.00 Homeowner's exemption
2022		$544,000 Land $59,000 Building $485,000	$544,000 Land $59,000 Building $485,000

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

Flood

FEMA maps place 10862 Cottage Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 25, 2025

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10862 Cottage Ln is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	Joint Powers Water Board serves 30,922 people · EPA ID MN1860024
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.56 mg/L (2026) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Midco.

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