20685 Garden Rd, Excelsior, MN 55331 Property Records

Hennepin County property record for 20685 Garden Rd, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 1,272 sqft · built 2021
Lot Size	1.13 acres (49,223 sqft)
Owner	Individual Name on Record
Last Sale	$495,000 (Aug 2021)
Tax Bill	$31,080 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-117-23-22-0018`

Property Details

APN / Parcel Number

Primary APN	`25-117-23-22-0018`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft
Basement Area	2,382 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,223 sqft
View / Lot	Lake
Garage Area	552 sqft
Porch	Porch
Porch Area	172 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	20685 GARDEN RD
City	EXCELSIOR
State	MN
Zip	55331-9335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 018 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	18
Jurisdiction	HENNEPIN MN
Township / Civil Division	SHOREWOOD
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	20685 GARDEN RD, EXCELSIOR, MN 55331-9335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 13, 2021	Intrafamily Transfer, Transfer
Aug 26, 2021	Deed, Transfer TITLE SPECIALIST, TITLE SPECIALISTS INC
Nov 2, 2017	Warranty Deed, Transfer GLOBAL CLOSING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Nov 2, 2017 · Amount on Record
Deed Document Number	202111009450
Last Transfer Date	Nov 23, 2021
Transfer Doc	0011055752
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	20685 GARDEN RD, SHOREWOOD, MN 55331-9335
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A11221204
Date	Aug 8, 2023
Instrument	A11221204

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Margin	3
Max Rate	10.7%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Dec 13, 2021
Property Address	20685 GARDEN RD, SHOREWOOD, MN 55331-9335
Document Number	0A11055752
Instrument Date	Nov 23, 2021
Instrument	A11055752
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15311 ORIC AVE, MINNETONKA, MN 55345-5540
Investor	Possibly a Property Investor

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENNEPIN MN
Recording Date	Aug 26, 2021
Property Address	20685 GARDEN RD, SHOREWOOD, MN 55331-9335
Document Number	0A11009450
Instrument Date	Aug 4, 2021
Instrument	A11009450
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	TITLE SPECIALIST, TITLE SPECIALISTS INC

Transaction

Amount	Amount Recorded
Tax	$1,633.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	15311 ORIC AVE, MINNETONKA, MN 55345-5540

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Nov 2, 2017
Property Address	20685 GARDEN RD, SHOREWOOD, MN 55331-9335
Document Number	0010497993
Instrument Date	Oct 24, 2017
Instrument	10497993
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	GLOBAL CLOSING

Transaction

Amount	Amount Recorded
Tax	$1,088.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20685 GARDEN RD EXCELSIOR MN 553319335, EXCELSIOR, MN 55331-9335

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	$31,080.00 (+4.59%)	$2,264,500 (+2.05%) Land $496,600 Building $1,767,900	$2,264,500 (+2.05%) Land $496,600 Building $1,767,900
2024	$29,715.00 (+432.15%)	$2,219,000 (+433.41%) Land $416,000 Building $1,803,000	$2,219,000 (+433.41%) Land $416,000 Building $1,803,000
2023	$5,584.00
2022		$416,000 Land $416,000	$416,000 Land $416,000

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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