Hennepin County property record for 186 Peninsula Rd, Minneapolis, MN 55441
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,838 sqft · built 1999 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,000,000 (Jan 2021) |
| Tax Bill | $23,142 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Feb 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-118-22-23-0007 |
| Primary APN | 25-118-22-23-0007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,838 sqft Living Area |
| 1st Floor Area | 1,485 sqft |
| 2nd Floor Area | 1,533 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 240 ft deep x 60 ft wide |
| View / Lot | Lake Front |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 332 sqft |
| Deck Area | 224 sqft |
| Patio Area | 760 sqft |
| Cooling System | None |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 186 PENINSULA RD |
|---|---|
| City | MINNEAPOLIS |
| State | MN |
| Zip | 55441-4178 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 019 BLOCK 005 A MEDICINE LAKE PARK 1ST DIV THAT PART LYING NWLY OF THE SELY 45 FT THOF ALSO ALL THAT PART OF ADJ VAC BISMARK AVE LYING SELY OF FOL DESC LINE AND ITS NELY EXT COM AT T W 60X240XL50X230 |
| Legal Range | 22 |
| Legal Township | 118 |
| Legal Section | 25 |
| Legal Quarter | 23 |
| Legal Subdivision | MEDICINE LAKE PARK 1ST DIV |
| Legal Block | 5 |
| Legal Lot Number | 19 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | MEDICINE LAKE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 26516 |
186 Peninsula Rd is owned and occupied by two individuals who bought it in January 2021.
Source: Hennepin County records, as of June 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 PENINSULA RD, MINNEAPOLIS, MN 55441-4178 |
| 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.
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| Feb 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BELL BANK |
| Jan 5, 2021 | Warranty Deed, Transfer BELL BK |
| Jun 15, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2021 · Amount on File |
| Deed Sale | Jan 5, 2021 · Amount on File |
| Deed Document Number | 202110895272 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 186 PENINSULA RD, MEDICINE LAKE, MN 55441-4178 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 186 PENINSULA RD, MEDICINE LAKE, MN 55441-4178 |
| Document Number | 0A11145773 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | A11145773 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55125 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 17, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 186 PENINSULA RD, MEDICINE LAKE, MN 55441-4178 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Name | Verified Name |
|---|---|
| Address | 186 PENINSULA RD, MEDICINE LAKE, MN 55441-4178 |
| Document Number | 0A11263083 |
|---|---|
| Date | Feb 8, 2024 |
| Instrument | A11263083 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55125 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Jan 5, 2021 |
| Property Address | 186 PENINSULA RD, MEDICINE LAKE, MN 55441-4178 |
| Document Number | 0010895272 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 10895272 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2021 |
| Title Company | DCA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 186 PENINSULA RD MEDICINE LAKE MN 554414178, MEDICINE LAKE, MN 55441-4178 |
| Document Number | 10895274 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 10895274 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 4, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 186 PENINSULA RD, MEDICINE LAKE, MN 55441-4178 |
| Document Number | 0010569152 |
| Instrument Date | Jun 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 186 PENINSULA RD MEDICINE LAKE MN 554414178, MEDICINE LAKE, MN 55441-4178 |
| Document Number | 0010569152 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | 10569152 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 186 Peninsula Rd was $23,142, up 5% from the year before.
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Medicine Lake City |
| Unified School District | Wayzata Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $23,142.00 (+5.04%) | $1,569,700 (+0.42%) Land $675,000 Building $894,700 | $1,569,700 (+0.42%) Land $675,000 Building $894,700 |
| 2024 | $22,032.00 (+80.31%) | $1,563,200 Land $712,000 Building $851,200 | $1,563,200 Land $712,000 Building $851,200 |
| 2023 | $12,219.00 Homeowner's exemption | ||
| 2022 | $887,000 Land $578,000 Building $309,000 | $887,000 Land $578,000 Building $309,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Peninsula Rd 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 · 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
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.
The area around 186 Peninsula Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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