19655 Cottagewood Rd, Excelsior, MN 55331 Property Records

Hennepin County property record for 19655 Cottagewood Rd, Excelsior, MN 55331 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,040 sqft · built 2018
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$1,450,000 (May 2022)
Tax Bill	$22,620 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`25-117-23-12-0044`

Property Details

APN / Parcel Number

Primary APN	`25-117-23-12-0044`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,040 sqft Living Area
Gross Area	5,366 sqft
1st Floor Area	1,657 sqft
2nd Floor Area	2,383 sqft
Basement Area	1,326 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	19655 COTTAGEWOOD RD
City	EXCELSIOR
State	MN
Zip	55331-9244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 001 BLOCK 001 B COTTAGEWOOD MANOR IRREGULAR
Legal Range	23
Legal Township	117
Legal Section	25
Legal Quarter	12
Legal Subdivision	COTTAGEWOOD MANOR
Legal Block	1
Legal Lot Number	1
Jurisdiction	HENNEPIN MN
Township / Civil Division	DEEPHAVEN
Census Block Group	2
Census Block	2006
Census Tract	27400

Owner

Source: Hennepin County records · APN 25-117-23-12-0044

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 02, 2023	Deed of Trust, Mortgage · Conventional Mortgage TOPLINE FINANCIAL CU
May 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage TOPLINE FINANCIAL CU
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
May 02, 2022	Re-recorded Document · Conventional Mortgage BANK OF ENGLAND
Sep 06, 2018	Warranty Deed, Subdivision Related Transfer AMALGAMATED BK
May 30, 2017	Loan Modification, Mortgage KLEIN BK
May 30, 2017	Grant Deed, Transfer CUSTOM HOME BUILDERS TITLE
May 30, 2017	Grant Deed, Transfer CUSTOM HOME BUILDERS TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 02, 2022 · Amount on Record
Deed Sale	May 02, 2022 · Amount on Record
Prior Sale	Apr 27, 2022 · Amount on Record
Deed Document Number	202211103998
Prior Transfer Date	Sep 28, 2012
Prior Transfer Doc	00A9871337
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A11205243
Date	Jun 02, 2023
Instrument	A11205243

Lender

Name	TOPLINE FINANCIAL CU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jun 01, 2028
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year T-Bill
Max Rate	12.2%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Transaction Type	Mortgage
Record Updated	Jun 08, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00T6015884
Date	May 31, 2023
Instrument	T6015884

Lender

Name	TOPLINE FINANCIAL CU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jun 01, 2028
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year T-Bill
Max Rate	12.2%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Apr 27, 2022
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Document Number	00T5940307
Instrument Date	Apr 25, 2022
Instrument	T5940307
Transaction Type	Transfer
Record Updated	May 05, 2022
Title Company	LENDSERV NATIONAL TITLE, LENDSERV NATIONAL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244

Mortgage

Document Number	00T5940308
Date	Apr 27, 2022
Instrument	T5940308

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

May 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	HENNEPIN MN
Recording Date	May 02, 2022
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Document Number	0A11103998
Instrument Date	Apr 25, 2022
Instrument	A11103998
Record Updated	May 12, 2022
Title Company	LENDSERV NATIONAL TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244

Mortgage

Document Number	0A11103999
Date	May 02, 2022
Instrument	A11103999

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2052

September 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 06, 2018
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Document Number	0010589749
Instrument Date	Aug 27, 2018
Instrument	10589749
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 05, 2019
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,202.00
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	19655 COTTAGEWOOD RD EXCELSIOR MN 553319244, EXCELSIOR, MN 55331-9244

Mortgage

Document Number	10589750
Date	Sep 06, 2018
Instrument	10589750

Lender

Name	AMALGAMATED BK
Type	Bank
Address	NEW YORK, NY 10001

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 05, 2033

Mortgage

Document Number	5556491,
Date	Sep 06, 2018
Instrument	5556491

Lender

Name	AMALGAMATED BK
Type	Bank
Address	NEW YORK, NY 10001

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 05, 2033

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENNEPIN MN
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Document Number	0005446504
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	CUSTOM HOME BUILDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4400 BLUEBELL TRL S MEDINA MN 553404569, MEDINA, MN 55340-4569

Mortgage

Document Number	0005446504
Date	May 30, 2017
Instrument	5446504

Lender

Name	KLEIN BK
Type	Bank
Address	PO BOX 487, CHASKA, MN 55318-0487

Agreement

Amount	Amount Recorded

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 30, 2017
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Document Number	0005446501
Instrument Date	May 23, 2017
Instrument	5446501
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Amount	Amount Recorded
Tax	$1,079.50
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4400 BLUEBELL TRL S MEDINA MN 553404569, MEDINA, MN 55340-4569

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 30, 2017
Property Address	19655 COTTAGEWOOD RD, EXCELSIOR, MN 55331-9244
Document Number	0005446503
Instrument Date	May 23, 2017
Instrument	5446503
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Amount	Amount Recorded
Tax	$1,079.50
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4400 BLUEBELL TRL S MEDINA MN 553404569, MEDINA, MN 55340-4569

Tax Assessment & Valuation

Source: Hennepin County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Deephaven City
Unified School District	Minnetonka Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$22,620.00 (+8.14%)	$1,704,400 (+1.73%) Land $420,000 Building $1,284,400	$1,704,400 (+1.73%) Land $420,000 Building $1,284,400
2024	$20,917.00 (+8.05%)	$1,675,400 (+3.23%) Land $455,000 Building $1,220,400	$1,675,400 (+3.23%) Land $455,000 Building $1,220,400
2023	$19,359.00 Homeowner's exemption
2022		$1,623,000 Land $293,000 Building $1,330,000	$1,623,000 Land $293,000 Building $1,330,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hennepin County (27053C), updated December 25, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270530274002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014, rainfall accumulation

Wildfire

Wildfire Risk	Low above 32% of the US · above 58% of Minnesota
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 94 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	140 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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