18886 Earl Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 18886 Earl Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,269 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$353,000 (May 2023)
Tax Bill	$4,154 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`65-527-0155`

Property Details

APN / Parcel Number

Primary APN	`65-527-0155`
Alternative APNs	`65-00527-0155` `30650`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,269 sqft Living Area
1st Floor Area	1,269 sqft
Basement Area	1,104 sqft
Finished Basement	1,104 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	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	748 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	273 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	30650
Street Address	18886 EARL RD
City	BIG LAKE
State	MN
Zip	55309-4666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11, BLK 1
Legal Range	27W
Legal Township	33N
Legal Section	07
Legal Subdivision	MITCH K FARMS FIRST ADDITION
Legal Block	1
Legal Lot Number	11
Jurisdiction	SHERBURNE MN
Township / Civil Division	BIG LAKE
Census Block Group	1
Census Block	1009
Census Tract	30406

Owner

18886 Earl Rd is owned and occupied by two individuals who bought it in May 2023.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18886 EARL RD, BIG LAKE, MN 55309-4666
Occupancy	Owner Occupied
Owner Type	Individual

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
May 8, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 19, 2020	Loan Modification, Mortgage · Conventional with PMI HOME PT FIN'L
May 10, 2018	Warranty Deed, Transfer · FHA Mortgage CAMBRIA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on File
Deed Sale	May 1, 2023 · Amount on File
Prior Sale	Apr 18, 2005 · Amount on File
Deed Document Number	20231530319
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 8, 2023
Property Address	18886 EARL RD, BIG LAKE, MN 55309-4666
Document Number	0000956530
Instrument Date	May 1, 2023
Instrument	956530
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	CENTRAL LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,164.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18886 EARL RD, BIG LAKE, MN 55309-4666

Mortgage

Document Number	0000956531
Date	May 8, 2023
Instrument	956531

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	18886 EARL RD, BIG LAKE, MN 55309-4666
Document Number	0000893158
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	18886 EARL RD BIG LAKE MN 553094666, BIG LAKE, MN 55309-4666

Mortgage

Document Number	0000893158
Date	Jun 9, 2020
Instrument	893158

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHERBURNE MN
Property Address	18886 EARL RD, BIG LAKE, MN 55309-4666
Document Number	0000892779
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	18886 EARL RD BIG LAKE MN 553094666, BIG LAKE, MN 55309-4666

Mortgage

Document Number	0000892779
Date	Jun 3, 2020
Instrument	892779

Lender

Name	HOME PT FIN'L
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

Interest

Rate	3.87%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 10, 2018
Property Address	18886 EARL RD, BIG LAKE, MN 55309-4666
Document Number	0000855809
Instrument Date	May 1, 2018
Instrument	855809
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Joint Tenants with Right of Survivorship
Address	18886 EARL RD BIG LAKE MN 553094666, BIG LAKE, MN 55309-4666

Mortgage

Document Number	855810
Date	May 10, 2018
Instrument	855810

Lender

Name	CAMBRIA MTG
Type	Mortgage Company
Address	EDEN PRAIRIE, MN 55344

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 18886 Earl Rd was $4,154 with a homeowner's exemption.

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		$353,000 (+3.95%) Land $80,000 Building $273,000	$353,000 (+3.95%) Land $80,000 Building $273,000
2025	$4,154.00	$339,600 Land $80,000 Building $259,600	$339,600 Land $80,000 Building $259,600
2023	$4,088.00	$342,000 Land $84,400 Building $257,600
2021			$342,000 Land $84,400 Building $257,600

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

Flood

FEMA maps place 18886 Earl Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

FEMA Flood Zone	Zone X minimal risk
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 18886 Earl Rd 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	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.

Nearby Properties on Earl Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures