18865 Earl Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 18865 Earl Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,034 sqft · built 2004
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jan 2022)
Tax Bill	$4,336 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`65-527-0305`

Property Details

APN / Parcel Number

Primary APN	`65-527-0305`
Alternative APNs	`65-00527-0305` `30668`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,034 sqft Living Area
1st Floor Area	1,034 sqft
Basement Area	381 sqft
Finished Basement	381 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	700 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	243 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	30668
Street Address	18865 EARL RD
City	BIG LAKE
State	MN
Zip	55309-4666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK 3
Legal Range	27W
Legal Township	33N
Legal Section	07
Legal Subdivision	MITCH K FARMS FIRST ADDITION
Legal Block	3
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	BIG LAKE
Census Block Group	1
Census Block	1010
Census Tract	30406

Owner

Source: Sherburne County records, as of September 15, 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	18865 EARL RD, BIG LAKE, MN 55309-4666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 1, 2019	Quit Claim Deed, Transfer · VA Mortgage CAMBRIA FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Mar 15, 2005 · Amount on Record
Deed Document Number	20221375503
Prior Transfer Date	Jul 26, 2019
Prior Transfer Doc	0000876014
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 11, 2022
Property Address	18865 EARL RD, BIG LAKE, MN 55309-4666
Document Number	0000937603
Instrument Date	Jan 31, 2022
Instrument	937603
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18865 EARL RD, BIG LAKE, MN 55309-4666

Mortgage

Document Number	0000937604
Date	Feb 11, 2022
Instrument	937604

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 1, 2019
Property Address	18865 EARL RD, BIG LAKE, MN 55309-4666
Document Number	0000876014
Instrument Date	Jul 26, 2019
Instrument	876014
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18865 EARL RD, BIG LAKE, MN 55309-4666

Mortgage

Document Number	0000876015
Date	Aug 1, 2019
Instrument	876015

Lender

Name	CAMBRIA FINANCIAL GROUP LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Big Lake City
County	Sherburne County
Unified School District	Big Lake Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$352,600 (-0.09%) Land $95,800 Building $256,800	$352,600 (-0.09%) Land $95,800 Building $256,800
2025	$4,336.00 (+0.65%)	$352,900 (-2.24%) Land $95,800 Building $257,100	$352,900 (-2.24%) Land $95,800 Building $257,100
2023	$4,308.00	$361,000 Land $100,300 Building $260,700
2021			$361,000 Land $100,300 Building $260,700

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 November 16, 2011

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

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	Indirect within 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	Big Lake serves 13,056 people · EPA ID MN1710002
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

May also be available: Midco, Verizon.

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