18928 Earl Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 18928 Earl Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,170 sqft · built 2004
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$195,315 (Jul 2017)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`65-527-0115`

Property Details

APN / Parcel Number

Primary APN	`65-527-0115`
Alternative APNs	`65-00527-0115` `30642`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	680 sqft
Driveway	Driveway
Porch	Porch
Porch Area	10 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	30642
Street Address	18928 EARL RD
City	BIG LAKE
State	MN
Zip	55309-4665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 1
Legal Range	27W
Legal Township	33N
Legal Section	07
Legal Subdivision	MITCH K FARMS FIRST ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	BIG LAKE
Census Block Group	1
Census Block	1009
Census Tract	30406

Owner

18928 Earl Rd is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	18928 EARL RD, BIG LAKE, MN 55309-4665
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
Dec 28, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2017	Warranty Deed, Transfer · Conventional Mortgage RIVERWOOD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Prior Sale	Aug 5, 2015
Deed Document Number	2017841750
Prior Transfer Date	May 22, 2015
Prior Transfer Doc	0000807667
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	18928 EARL RD, BIG LAKE, MN 55309-4665
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000908355
Date	Dec 28, 2020
Instrument	908355

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 14, 2017
Property Address	18928 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000841750
Instrument Date	May 23, 2017
Instrument	841750
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	TITLESMART INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.54
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	18928 EARL RD, BIG LAKE, MN 55309-4665

Mortgage

Document Number	0000841751
Date	Jul 14, 2017
Instrument	841751

Lender

Name	RIVERWOOD BANK
Type	Bank
Address	MONTICELLO, MN 55362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18928 Earl Rd was $2,212.

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		$325,100 (+0.46%) Land $80,400 Building $244,700	$325,100 (+0.46%) Land $80,400 Building $244,700
2025	$2,212.00	$323,600 Land $80,400 Building $243,200	$323,600 Land $80,400 Building $243,200
2023	$2,052.00	$327,300 Land $84,500 Building $242,800
2021			$327,300 Land $84,500 Building $242,800

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

Flood

FEMA maps place 18928 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 18928 Earl Rd is low, with a 0.02% 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	0.02% 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	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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