20 Pearl St, Excelsior, MN 55331 Property Records

Hennepin County property record for 20 Pearl St, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,104 sqft · built 1959
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$365,757 (Sep 2017)
Tax Bill	$6,213 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-117-23-14-0013`

Property Details

APN / Parcel Number

Primary APN	`28-117-23-14-0013`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	1,877 sqft
1st Floor Area	1,104 sqft
Basement Area	773 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	138 ft deep x 89 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 PEARL ST
City	EXCELSIOR
State	MN
Zip	55331-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 BLOCK 004 A HOMES ON GIDEONS BAY LOTS 5 AND 6 ALSO THE SWLY 9 FT OF LOT 4 SE 89X138X95X155
Legal Range	23
Legal Township	117
Legal Section	28
Legal Quarter	14
Legal Subdivision	HOMES ON GIDEONS BAY
Legal Block	4
Legal Lot Number	5
Jurisdiction	HENNEPIN MN
Township / Civil Division	TONKA BAY
Census Block Group	3
Census Block	3013
Census Tract	27501

Owner

Source: Hennepin County records, as of June 23, 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 Record
Mailing Address	20 PEARL ST, EXCELSIOR, MN 55331-9567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2017 · Amount on Record
Deed Sale	Sep 6, 2017 · Amount on Record
Prior Sale	Sep 16, 2015 · Amount on Record
Deed Document Number	201710480472
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 6, 2017
Property Address	20 PEARL ST, EXCELSIOR, MN 55331-9567
Document Number	0010480472
Instrument Date	Sep 5, 2017
Instrument	10480472
Transaction Type	Transfer
Record Updated	Oct 11, 2017
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,207.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PEARL ST EXCELSIOR MN 553319567, EXCELSIOR, MN 55331-9567

Mortgage

Document Number	10480473
Date	Sep 6, 2017
Instrument	10480473

Lender

Name	PEOPLES BK/COMMERCE
Type	Bank
Address	EDINA, MN 55435

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,213.00 (+19.83%)	$543,700 (+10.28%) Land $242,000 Building $301,700	$543,700 (+10.28%) Land $242,000 Building $301,700
2023	$5,185.00 Homeowner's exemption
2022		$493,000 Land $209,000 Building $284,000	$493,000 Land $209,000 Building $284,000

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 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 Policies	8 in force
Nearby Flood Claims	2 (1980–2014)
Most Recent Claim	Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	Tonka Bay serves 1,442 people · EPA ID MN1270013
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20