18953 Earl Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 18953 Earl Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,236 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Nov 2024)
Tax Bill	$4,186 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-527-0220`

Property Details

APN / Parcel Number

Primary APN	`65-527-0220`
Alternative APNs	`65-00527-0220` `30657`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	784 sqft
Finished Basement	784 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Split Level
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	577 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Deck Area	152 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	30657
Street Address	18953 EARL RD
City	BIG LAKE
State	MN
Zip	55309-4665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, BLK 2
Legal Range	27W
Legal Township	33N
Legal Section	07
Legal Subdivision	MITCH K FARMS FIRST ADDITION
Legal Block	2
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	18953 EARL RD, BIG LAKE, MN 55309-4665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FCU
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FCU
Jan 19, 2017	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2024 · Amount on Record
Deed Sale	Nov 4, 2024 · Amount on Record
Prior Sale	Jan 19, 2017 · Amount on Record
Deed Document Number	2024975864
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	18953 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	0000910183
Date	Jan 20, 2021
Instrument	910183

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	18953 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	0000911741
Date	Feb 9, 2021
Instrument	911741

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 8, 2031

Interest

Rate Type	Fixed Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jan 19, 2017
Property Address	18953 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000833247
Instrument Date	Dec 30, 2016
Instrument	833247
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$574.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2294 MATHIAS RD, SHAKOPEE, MN 55379-4341

Mortgage

Document Number	0000833248
Date	Jan 24, 2017
Instrument	833248

Lender

Name	SUMMIT MORTGAGE CORP
Type	Subprime Lender
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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		$345,600 (+1.05%) Land $83,700 Building $261,900	$345,600 (+1.05%) Land $83,700 Building $261,900
2025	$4,186.00 (+2.8%)	$342,000 (-0.47%) Land $83,700 Building $258,300	$342,000 (-0.47%) Land $83,700 Building $258,300
2023	$4,072.00	$343,600 Land $84,400 Building $259,200
2021			$343,600 Land $84,400 Building $259,200

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
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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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