Hennepin County property record for 19620 Cottagewood Rd, Excelsior, MN 55331
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,254 sqft · built 1947 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | Individual Name on File |
| Last Sale | $785,000 (Feb 2020) |
| Tax Bill | $16,811 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2023 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-117-23-43-0019 |
| Primary APN | 24-117-23-43-0019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,254 sqft Living Area |
| Gross Area | 2,446 sqft |
| 1st Floor Area | 2,254 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,174 sqft (1.06 acres) |
| View / Lot | Lake Front |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Porch | Patio |
| Porch Area | 312 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 19620 COTTAGEWOOD RD |
|---|---|
| City | EXCELSIOR |
| State | MN |
| Zip | 55331-9316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 006 BLOCK 002 A DEEPHAVEN SHORE ACRES THAT PART OF LOT 6 LYING NWLY OF A LINE DRAWN NELY AT AN ANGLE OF 54 DEG 23 MIN 30 SEC FROM THE SLY LINE OF LOT 6 FROM A PT ON SAID SLY LINE DIST T IRREGULAR |
| Legal Range | 23 |
| Legal Township | 117 |
| Legal Section | 24 |
| Legal Quarter | 43 |
| Legal Subdivision | DEEPHAVEN SHORE ACRES |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | DEEPHAVEN |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 27400 |
19620 Cottagewood Rd is owned and occupied by an individual who bought it in February 2020.
Source: Hennepin County records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| 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.
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit BAE CREDIT UNION |
| May 8, 2023 | Deed of Trust, Mortgage · Loan Assumption NATIONSTAR MORTGAGE LLC |
| Apr 28, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CU |
| Jun 21, 2021 | Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CREDIT UNION |
| Apr 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE |
| Feb 3, 2020 | Warranty Deed, Transfer TRADITION MTG |
| Jan 28, 2020 | Deed of Trust, Construction Loan · Construction Mortgage HIWAY FCU |
| Aug 16, 2019 | Loan Modification, Mortgage · Conventional Mortgage OLD NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2020 · Amount on File |
| Deed Sale | Feb 3, 2020 · Amount on File |
| Deed Document Number | 20205683322 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Apr 29, 2026 |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Document Number | 0006198375 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20266198375 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0006198375, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20266198375 |
| Name | BAE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 28, 2046 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 00T6011635 |
|---|---|
| Date | May 8, 2023 |
| Instrument | T6011635 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75067 |
| Type | Loan Assumption |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Document Number | 00T5940782 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | T5940782 |
| Name | TRUSTONE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 27, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0T05848166 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | T05848166 |
| Name | TRUSTONE FINANCIAL CREDIT UNION |
|---|---|
| Address | EMILY, MN 56447 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0T05827349 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | T05827349 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKEVILLE, MN 55044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Feb 3, 2020 |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Document Number | 0005683322 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 5683322 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2020 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,669.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 19620 COTTAGEWOOD RD EXCELSIOR MN 553319316, EXCELSIOR, MN 55331-9316 |
| Document Number | 5683323 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 5683323 |
| Name | TRADITION MTG |
|---|---|
| Type | Mortgage Company |
| Address | LAKEVILLE, MN 55044 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Document Number | 5683324, |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 5683324 |
| Name | TRUSTONE FIN'L FCU |
|---|---|
| Type | Credit Union |
| Address | PLYMOUTH, MN 55447 |
| Amount | Amount on Record |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Jan 28, 2020 |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Document Number | 0005681854 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 5681854 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 19620 COTTAGEWOOD RD EXCELSIOR MN 553319316, EXCELSIOR, MN 55331-9316 |
| Document Number | 0005681854 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 5681854 |
| Name | HIWAY FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55103 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 27, 2021 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 19620 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9316 |
| Document Number | 0005639563 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 19620 COTTAGEWOOD RD EXCELSIOR MN 553319316, EXCELSIOR, MN 55331-9316 |
| Document Number | 0005639563 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 5639563 |
| Name | OLD NAT'L BK |
|---|---|
| Type | Bank |
| Address | CHANHASSEN, MN 55317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 26, 2029 |
The 2025 property tax bill for 19620 Cottagewood Rd was $16,811, up 7.7% from the year before.
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Deephaven City |
| Unified School District | Minnetonka Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,811.00 (+7.69%) | $1,336,100 (+5.19%) Land $786,800 Building $549,300 | $1,336,100 (+5.19%) Land $786,800 Building $549,300 |
| 2024 | $15,610.00 (+31.29%) | $1,270,200 Land $786,800 Building $483,400 | $1,270,200 Land $786,800 Building $483,400 |
| 2023 | $11,890.00 Homeowner's exemption | ||
| 2022 | $1,026,000 Land $681,000 Building $345,000 | $1,026,000 Land $681,000 Building $345,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19620 Cottagewood Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2014 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 19620 Cottagewood Rd is low, with less than 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 95% of the US · lower than 84% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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