20680 Garden Rd, Excelsior, MN 55331 Property Records

Hennepin County property record for 20680 Garden Rd, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,488 sqft · built 1984
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$780,000 (Aug 2026)
Tax Bill	$8,755 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-117-23-22-0025`

Property Details

APN / Parcel Number

Primary APN	`25-117-23-22-0025`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,488 sqft Living Area
1st Floor Area	1,384 sqft
2nd Floor Area	520 sqft
Basement Area	692 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	167 ft deep x 215 ft wide
Terrain	Wooded
View / Lot	Lake
Garage Type	Detached
Garage Area	624 sqft
Porch	Open Porch
Deck Area	324 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	20680 GARDEN RD
City	EXCELSIOR
State	MN
Zip	55331-9334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 A HOLTMERE LAKE MTKA W 210 FT OF LOT 5 S 215X167X210X225
Legal Range	23
Legal Township	117
Legal Section	25
Legal Quarter	22
Legal Subdivision	HOLTMERE LAKE MTKA
Legal Block	2
Legal Lot Number	5
Jurisdiction	HENNEPIN MN
Township / Civil Division	SHOREWOOD
Census Block Group	2
Census Block	2003
Census Tract	27504

Owner

Source: Hennepin County records, as of August 18, 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	20680 GARDEN RD, EXCELSIOR, MN 55331-9334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MLD MORTGAGE INC
Mar 2, 2021	Intrafamily Transfer, Transfer
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Jan 7, 2021 · Amount on Record
Deed Document Number	20266218356
Prior Transfer Date	Feb 12, 2021
Prior Transfer Doc	0005811814
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Aug 10, 2026
Property Address	20680 GARDEN RD, EXCELSIOR, MN 55331-9334
Document Number	0006218356
Instrument Date	Jul 30, 2026
Instrument	20266218356
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	TITLESMART

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267,852.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20680 GARDEN RD, EXCELSIOR, MN 55331-9334

Mortgage

Document Number	0006218357,
Date	Aug 10, 2026
Instrument	20266218357

Lender

Name	MLD MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Mar 2, 2021
Property Address	20680 GARDEN RD, SHOREWOOD, MN 55331-9334
Document Number	0T05811814
Instrument Date	Feb 12, 2021
Instrument	T05811814
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20680 GARDEN RD, SHOREWOOD, MN 55331-9334

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jan 7, 2021
Property Address	20680 GARDEN RD, SHOREWOOD, MN 55331-9334
Document Number	0T05788649
Instrument Date	Nov 12, 2020
Instrument	T05788649
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,782.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20680 GARDEN RD, SHOREWOOD, MN 55331-9334

Mortgage

Document Number	0T05788650
Date	Jan 7, 2021
Instrument	T05788650

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

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	$8,755.00 (+16.18%)	$695,400 (+11.76%) Land $458,400 Building $237,000	$695,400 (+11.76%) Land $458,400 Building $237,000
2024	$7,536.00 (+7.8%)	$622,200 (+4.05%) Land $384,000 Building $238,200	$622,200 (+4.05%) Land $384,000 Building $238,200
2023	$6,991.00 Homeowner's exemption
2022		$598,000 Land $384,000 Building $214,000	$598,000 Land $384,000 Building $214,000

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.

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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