18995 Earl Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 18995 Earl Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,241 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,750 (May 2023)
Tax Bill	$4,204 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-527-0240`

Property Details

APN / Parcel Number

Primary APN	`65-527-0240`
Alternative APNs	`65-00527-0240` `30661`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,241 sqft Living Area
1st Floor Area	1,241 sqft
Basement Area	899 sqft
Finished Basement	899 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

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	912 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	160 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	30661
Street Address	18995 EARL RD
City	BIG LAKE
State	MN
Zip	55309-4665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLK 2
Legal Range	27W
Legal Township	33N
Legal Section	07
Legal Subdivision	MITCH K FARMS FIRST ADDITION
Legal Block	2
Legal Lot Number	8
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	18995 EARL RD, BIG LAKE, MN 55309-4665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Warranty Deed, Transfer · Conventional Mortgage SPIRE CU
Aug 6, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK
Nov 25, 2019	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2023 · Amount on Record
Deed Sale	May 9, 2023 · Amount on Record
Prior Sale	Aug 6, 2020 · Amount on Record
Deed Document Number	20231533378
Prior Transfer Date	Mar 13, 2014
Prior Transfer Doc	0000785523
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 16, 2023
Property Address	18995 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000956790
Instrument Date	May 9, 2023
Instrument	956790
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	PILLAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,167.38
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	18995 EARL RD, BIG LAKE, MN 55309-4665

Mortgage

Document Number	0000956791
Date	May 16, 2023
Instrument	956791

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 6, 2020
Property Address	18995 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000897330
Instrument Date	Jul 31, 2020
Instrument	897330
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$890.67
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18995 EARL RD, BIG LAKE, MN 55309-4665

Mortgage

Document Number	0000897331
Date	Aug 6, 2020
Instrument	897331

Lender

Name	WELLS FARGO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Nov 25, 2019
Property Address	18995 EARL RD, BIG LAKE, MN 55309-4665
Document Number	0000882622
Instrument Date	Nov 14, 2019
Instrument	882622
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	NORTH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18995 EARL RD, BIG LAKE, MN 55309-4665

Mortgage

Document Number	0000882624
Date	Nov 25, 2019
Instrument	882624

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

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

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		$352,200 (+2.62%) Land $83,700 Building $268,500	$352,200 (+2.62%) Land $83,700 Building $268,500
2025	$4,204.00 (+1.74%)	$343,200 (-0.58%) Land $83,700 Building $259,500	$343,200 (-0.58%) Land $83,700 Building $259,500
2023	$4,132.00	$345,200 Land $84,400 Building $260,800
2021			$345,200 Land $84,400 Building $260,800

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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