Hennepin County property record for 20390 Western Rd, Excelsior, MN 55331
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,305 sqft · built 1918 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,875,000 (Apr 2024) |
| Tax Bill | $34,320 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-117-23-32-0044 |
| Primary APN | 24-117-23-32-0044 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,305 sqft Living Area |
| Gross Area | 5,813 sqft |
| 1st Floor Area | 2,068 sqft |
| 2nd Floor Area | 1,744 sqft |
| Basement Area | 520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Depth | 150 ft Depth |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Porch | Screened Porch |
| Porch Area | 422 sqft |
| Deck Area | 430 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 20390 WESTERN RD |
|---|---|
| City | EXCELSIOR |
| State | MN |
| Zip | 55331-9220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 110 A REVISED COTTAGEWOOD LOTS 110 AND 111 ALSO THAT PART OF LOT 109 LYING ELY OF THE WLY 18 FT FRONT AND REAR THOF SW132X150X139X179 |
| Legal Range | 23 |
| Legal Township | 117 |
| Legal Section | 24 |
| Legal Quarter | 32 |
| Legal Subdivision | REVISED COTTAGEWOOD |
| Legal Block | 3 |
| Legal Lot Number | 110 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | DEEPHAVEN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 27400 |
20390 Western Rd is owned and occupied by two individuals who bought it in April 2024.
Source: Hennepin County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20390 WESTERN RD, EXCELSIOR, MN 55331-9220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 23, 2024 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2024 · Amount on File |
| Deed Sale | Apr 23, 2024 · Amount on File |
| Prior Sale | Jun 15, 2017 · Amount on File |
| Deed Document Number | 202411278973 |
| Prior Transfer Date | Jan 7, 2012 |
| Prior Transfer Doc | 0009736039 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Apr 23, 2024 |
| Property Address | 20390 WESTERN RD, EXCELSIOR, MN 55331-9220 |
| Document Number | 0A11278973 |
| Instrument Date | Apr 23, 2024 |
| Instrument | A11278973 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | CHB TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,487.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20390 WESTERN RD, EXCELSIOR, MN 55331-9220 |
| Document Number | 0A11278974 |
|---|---|
| Date | Apr 23, 2024 |
| Instrument | A11278974 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.8% |
| Type Change Date | May 1, 2034 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.8% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 20390 WESTERN RD, EXCELSIOR, MN 55331-9220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A11072940 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | A11072940 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.25% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 20390 WESTERN RD, EXCELSIOR, MN 55331-9220 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0A10937813 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | A10937813 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 20390 Western Rd was $34,320, up 8.9% 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 | $34,320.00 (+8.91%) | $2,645,500 (+6.49%) Land $942,500 Building $1,703,000 | $2,645,500 (+6.49%) Land $942,500 Building $1,703,000 |
| 2024 | $31,512.00 (+20.04%) | $2,484,300 Land $819,000 Building $1,665,300 | $2,484,300 Land $819,000 Building $1,665,300 |
| 2023 | $26,252.00 | ||
| 2022 | $2,174,000 Land $718,000 Building $1,456,000 | $2,174,000 Land $718,000 Building $1,456,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20390 Western Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.
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 |
|---|---|
| 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 20390 Western 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 | 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 137 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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