20600 Garden Rd, Excelsior, MN 55331 Property Records

Hennepin County property record for 20600 Garden Rd, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.75 ba · 4,429 sqft · built 1986
Lot Size	1.98 acres (86,684 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Aug 2011)
Tax Bill	$23,248 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-117-23-22-0006`

Property Details

APN / Parcel Number

Primary APN	`25-117-23-22-0006`

Interior

Bedrooms	5 Beds
Full Baths	4.75 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,429 sqft Living Area
Gross Area	6,920 sqft
1st Floor Area	2,060 sqft
2nd Floor Area	2,369 sqft
Basement Area	1,459 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	86,684 sqft
Terrain	Wooded
Garage Type	Attached
Garage Area	808 sqft

Exterior Amenities

Porch	Screened Porch
Porch Area	444 sqft
Deck Area	416 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20600 GARDEN RD
City	EXCELSIOR
State	MN
Zip	55331-9334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 006 A HOLTMERE LAKE MTKA IRREGULAR
Legal Range	23
Legal Township	117
Legal Section	25
Legal Quarter	22
Legal Subdivision	HOLTMERE LAKE MTKA
Legal Block	2
Legal Lot Number	6
Jurisdiction	HENNEPIN MN
Township / Civil Division	SHOREWOOD
Census Block Group	2
Census Block	2003
Census Tract	27504

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	2 Individual Names on Record
Mailing Address	20600 GARDEN RD, EXCELSIOR, MN 55331-9334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 14, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Feb 25, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2011 · Amount on Record
Deed Sale	Aug 3, 2011 · Amount on Record
Prior Sale	Aug 2, 2011 · Amount on Record
Deed Document Number	201139070
Last Transfer Date	Oct 25, 2024
Transfer Doc	00T6103907
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20600 GARDEN RD, SHOREWOOD, MN 55331-9334
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20600 GARDEN RD, EXCELSIOR, MN 55331-9334

Mortgage

Document Number	00T6187456
Date	Feb 26, 2026
Instrument	T6187456

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Mar 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	1-Year T-Bill
Max Rate	10.3%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20600 GARDEN RD, SHOREWOOD, MN 55331-9334
Transaction Type	Mortgage
Record Updated	Feb 23, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20600 GARDEN RD, EXCELSIOR, MN 55331-9334

Mortgage

Document Number	00T6060021
Date	Feb 14, 2024
Instrument	T6060021

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20600 GARDEN RD, SHOREWOOD, MN 55331-9334
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20600 GARDEN RD, EXCELSIOR, MN 55331-9334

Mortgage

Document Number	00T6041348
Date	Oct 13, 2023
Instrument	T6041348

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20600 GARDEN RD, SHOREWOOD, MN 55331-9334
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00T5951804
Date	Jun 13, 2022
Instrument	T5951804

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 13, 2022

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20600 GARDEN RD, SHOREWOOD, MN 55331-9334
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T05879594
Date	Sep 23, 2021
Instrument	T05879594

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20600 GARDEN RD, SHOREWOOD, MN 55331-9334
Document Number	0005428914
Instrument Date	Feb 25, 2017
Transaction Type	Mortgage
Record Updated	Mar 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	20600 GARDEN RD EXCELSIOR MN 553319334, EXCELSIOR, MN 55331-9334

Mortgage

Document Number	0005428914
Date	Mar 14, 2017
Instrument	5428914

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$23,248.00 (+15.6%)	$1,714,100 (+12.22%) Land $573,000 Building $1,141,100	$1,714,100 (+12.22%) Land $573,000 Building $1,141,100
2024	$20,110.00 (+72.83%)	$1,527,500 (+61.81%) Land $480,000 Building $1,047,500	$1,527,500 (+61.81%) Land $480,000 Building $1,047,500
2023	$11,636.00 Homeowner's exemption
2022		$944,000 Land $480,000 Building $464,000	$944,000 Land $480,000 Building $464,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Shorewood serves 3,890 people · EPA ID MN1270051
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 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 138 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

May also be available: CenturyLink.

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