18975 Earl Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 18975 Earl Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 856 sqft · built 2004
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Feb 2022)
Tax Bill	$4,492 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-527-0225`

Property Details

APN / Parcel Number

Primary APN	`65-527-0225`
Alternative APNs	`65-00527-0225` `30658`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	856 sqft Living Area
1st Floor Area	856 sqft
Basement Area	717 sqft
Finished Basement	717 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 2004
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	624 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Deck Area	54 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	18975 EARL RD
City	BIG LAKE
State	MN
Zip	55309-4665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5, BLK 2
Legal Range	27W
Legal Township	33N
Legal Section	07
Legal Subdivision	MITCH K FARMS FIRST ADDITION
Legal Block	2
Legal Lot Number	5
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 April 21, 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	18975 EARL RD, BIG LAKE, MN 55309-4665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jan 24, 2020	Warranty Deed, Transfer · Conventional Mortgage FINANCE AMERICA MORTGAGE
May 18, 2018	Warranty Deed, Transfer · Conventional with PMI AMERICAN NBRHD MTG ACCPTNC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Prior Sale	Sep 22, 2015 · Amount on Record
Deed Document Number	20221379207
Prior Transfer Date	Sep 24, 2019
Prior Transfer Doc	0000885816
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 16, 2022
Property Address	18975 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000937862
Instrument Date	Feb 11, 2022
Instrument	937862
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	CLEAR TITLE, CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
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	18975 EARL RD, BIG LAKE, MN 55309-4665

Mortgage

Document Number	0000937863
Date	Feb 16, 2022
Instrument	937863

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jan 24, 2020
Property Address	18975 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000885816
Instrument Date	Sep 24, 2019
Instrument	885816
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	18975 EARL RD, BIG LAKE, MN 55309-4665

Mortgage

Document Number	0000885817
Date	Jan 24, 2020
Instrument	885817

Lender

Name	FINANCE AMERICA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 18, 2018
Property Address	18975 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000856271
Instrument Date	May 11, 2018
Instrument	856271
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	PREFERRED TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
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	18975 EARL RD BIG LAKE MN 553094665, BIG LAKE, MN 55309-4665

Mortgage

Document Number	856272
Date	May 18, 2018
Instrument	856272

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company
Address	MT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2048

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

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
2025	$4,492.00 (+2.42%)	$364,200 (-) Land $86,200 Building $278,000	$364,200 (-) Land $86,200 Building $278,000
2023	$4,386.00	$364,200 Land $86,200 Building $278,000
2021			$364,200 Land $86,200 Building $278,000

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.

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