Hennepin County property record for 20355 Cottagewood Rd, Excelsior, MN 55331
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.25 ba · 2,880 sqft · built 1915 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Jul 2014) |
| Tax Bill | $12,823 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-117-23-33-0020 |
| Primary APN | 24-117-23-33-0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.25 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,880 sqft Living Area |
| Gross Area | 4,794 sqft |
| 1st Floor Area | 1,440 sqft |
| 2nd Floor Area | 1,440 sqft |
| Basement Area | 708 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 144 ft deep x 186 ft wide |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 889 sqft |
| Porch | Screened Porch |
|---|---|
| Porch Area | 450 sqft |
| Deck Area | 482 sqft |
| Patio Area | 482 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 20355 LINWOOD RD |
|---|---|
| City | EXCELSIOR |
| State | MN |
| Zip | 55331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 019 BLOCK 001 A DEEPHAVEN HEIGHTS COM AT A PT IN THE N LINE OF LOT 19 DIS 219 FT ELY FROM NW COR THOF TH SLY TO A PT IN SLY LINE OF SAID LOT 19 DIS 144 FT T E 186X144X180X100 |
| Legal Range | 23 |
| Legal Township | 117 |
| Legal Section | 24 |
| Legal Quarter | 33 |
| Legal Subdivision | DEEPHAVEN HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | DEEPHAVEN |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 27400 |
20355 Cottagewood Rd is owned and occupied by two individuals who acquired it in May 2020.
Source: Hennepin County records, as of August 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20355 LINWOOD RD, EXCELSIOR, MN 55331 |
| 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 |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BELL BK |
| May 8, 2020 | Loan Modification, Mortgage · Conventional Mortgage BELL BK |
| Nov 10, 2020 | Quit Claim Deed, Transfer BELL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2014 · Amount on File |
| Deed Sale | Jul 11, 2014 · Amount on File |
| Deed Document Number | 201410097381 |
| Last Transfer Date | May 8, 2020 |
| Transfer Doc | 0010869143 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Aug 3, 2026 |
| Property Address | 20355 LINWOOD RD, EXCELSIOR, MN 55331 |
| Document Number | 0011484738 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202611484738 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0011484738, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 202611484738 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 20355 COTTAGEWOOD RD, EXCELSIOR, MN 55331-6715 |
| Document Number | 0010788762 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 20355 COTTAGEWOOD RD EXCELSIOR MN 553316715, EXCELSIOR, MN 55331-6715 |
| Document Number | 0010788762 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 10788762 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 19, 2045 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 20355 COTTAGEWOOD RD, EXCELSIOR, MN 55331-6715 |
| Document Number | 0010869145 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 0010869145 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 10869145 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58106-0877 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Nov 10, 2020 |
| Property Address | 20355 COTTAGEWOOD RD, EXCELSIOR, MN 55331-6715 |
| Document Number | 0010869143 |
| Instrument Date | May 8, 2020 |
| Instrument | 10869143 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2020 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20355 COTTAGEWOOD RD EXCELSIOR MN 553316715, EXCELSIOR, MN 55331-6715 |
| Document Number | 10788762 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 10788762 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | Nov 9, 2045 |
The 2025 property tax bill for 20355 Cottagewood Rd was $12,823.
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 | $12,823.00 | $1,037,800 Land $845,000 Building $192,800 | $1,037,800 Land $845,000 Building $192,800 |
| 2023 | $10,552.00 Homeowner's exemption | ||
| 2022 | $919,000 Land $726,000 Building $193,000 | $919,000 Land $726,000 Building $193,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20355 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 Policies | 3 in force |
| Nearby Flood Claims | 2 (1981–2001) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
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 20355 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 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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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