Home Minnesota Excelsior Pence Ln
2715 Pence Ln, Excelsior, MN 55331 Property Records
Hennepin County property record for 2715 Pence Ln, Excelsior, MN 55331
Property Summary
Property Type Single Family Home Details 6 bd · 7 ba · 4,707 sqft · built 1988 Lot Size 1.01 acres (43,996 sqft) Owner Individual Name on File Last Sale $2,425,000 (Feb 2017) Tax Bill $45,561 (2025) Deeds & Mortgages Feb 2022 Sale & Mortgage Feb 2022 Sale & Mortgage + 4 more Flood Zone Zone X (minimal risk)APN 21-117-23-32-0007
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Property Details APN / Parcel Number
Primary APN 21-117-23-32-0007
Interior
Bedrooms 6 Beds Full Baths 7 Baths Half Baths 3 Half Baths Total Rooms 9 Rooms Stories 2 Stories Building Area 4,707 sqft Living Area Gross Area 9,589 sqft 1st Floor Area 3,757 sqft 2nd Floor Area 950 sqft Basement Area 4,092 sqft Family Room Family Room Flooring Wood Interior Walls Wallboard/Drywall Fireplaces 1 Fireplace Fireplace Fireplace
Exterior
Year Built Built 1988 Effective Year Built Effective 2000 Exterior Material Brick Construction Type Frame Roof Type Hip Roof Material Wood Lot Area 43,996 sqft Lot Dimensions 275 ft deep x 18 ft wide Terrain Wooded View / Lot Lake Front Garage Type Attached Garage Area 1,580 sqft
Exterior Amenities
Porch Open Porch Porch Area 96 sqft Deck Area 430 sqft Patio Area 364 sqft
Utilities, Heating & Cooling Cooling System Package A/C Heating System Space Heater
Location & Zoning Street Address 2715 PENCE LN City EXCELSIOR State MN Zip 55331-9590 Property Category Residential Property Type Residential > Single Family > Home Legal Description LOT 002 BLOCK 001 T CARMAN BAY HEIGHTS ALSO AN UNDIVIDED 1/3 INTEREST IN LOT 8 AUD SUBD NO 344 (FORMERLY PENCE LANE) N146X275XL180X250 Legal Range 23 Legal Township 117 Legal Section 21 Legal Quarter 32 Legal Subdivision CARMAN BAY HEIGHTS Legal Block 1 Legal Lot Number 2 Jurisdiction HENNEPIN MN Township / Civil Division ORONO Census Block Group 2 Census Block 2016 Census Tract 27203
Owner
2715 Pence Ln is owned and occupied by an individual who bought it in February 2017.
Source: Hennepin County records, as of June 25, 2026
Owner of Record Individual Name on File Mailing Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Occupancy Owner Occupied Owner Type Individual
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Deeds, Mortgages & Sale History
Date Document Feb 18, 2022 Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC Feb 14, 2022 Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC Dec 21, 2017 Deed of Trust, Mortgage · Line of Credit ALERUS FIN'L Dec 21, 2017 Deed of Trust, Mortgage · Line of Credit ALERUS FIN'L Feb 8, 2017 Grant Deed, Transfer ALERUS MTG Feb 8, 2017 Grant Deed, Transfer ALERUS MTG
Assessor's Deed Record
Deed Names Name on Deed Last Sale Feb 8, 2017 · Amount on File Deed Sale Feb 8, 2017 · Amount on File Prior Sale Feb 8, 2017 · Amount on File Deed Document Number 201710410662 Prior Transfer Date Jan 3, 2017 Prior Transfer Doc 0010410662 Record Updated Oct 29, 2026
February 2022: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction HENNEPIN MN Recording Date Feb 18, 2022 Property Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Document Number 0A11079456 Instrument Date Dec 23, 2021 Instrument A11079456 Transaction Type Transfer Record Updated Mar 1, 2022 Title Company TRADEMARK TITLE SERVICES INC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $12,457.50 Amount Accuracy Rounded by County Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590
Mortgage
Document Number 0A11079457 Date Feb 18, 2022 Instrument A11079457
Lender
Name EVERETT FINANCIAL INC Type Funding / Finance Company
Agreement
Type Conventional Mortgage Amount Amount on Record Term 359 Months Due Jan 1, 2052
February 2022: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction HENNEPIN MN Recording Date Feb 14, 2022 Property Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Document Number 0T05922091 Instrument Date Dec 23, 2021 Instrument T05922091 Transaction Type Transfer Record Updated Feb 22, 2022 Title Company TRADEMARK TITLE SERVICES INC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $12,457.50 Amount Accuracy Rounded by County Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590
Mortgage
Document Number 0T05922092 Date Feb 14, 2022 Instrument T05922092
Lender
Name EVERETT FINANCIAL INC Type Funding / Finance Company
Agreement
Type Conventional Mortgage Amount Amount on Record Term 359 Months Due Jan 1, 2052
December 2017: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction HENNEPIN MN Property Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Document Number 0005502018 Instrument Date Dec 21, 2017 Transaction Type Mortgage Record Updated Jan 12, 2018 Title Company CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Married Couple Address 2715 PENCE LN EXCELSIOR MN 553319590, EXCELSIOR, MN 55331-9590
Mortgage
Document Number 0005502018 Date Dec 28, 2017 Instrument 5502018
Lender
Name ALERUS FIN'L Type Funding / Finance Company Address GRAND FORKS, ND 58201
Agreement
Type Line of Credit Amount Amount on Record Term 120 Months Due Dec 27, 2027
Interest
December 2017: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction HENNEPIN MN Property Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Document Number 0010517193 Instrument Date Dec 21, 2017 Transaction Type Mortgage Record Updated Jan 11, 2019 Title Company NOT AVAILABLE
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Married Couple Address 2715 PENCE LN EXCELSIOR MN 553319590, EXCELSIOR, MN 55331-9590
Mortgage
Document Number 0010517193 Date Jan 4, 2018 Instrument 10517193
Lender
Name ALERUS FIN'L Type Funding / Finance Company Address GRAND FORKS, ND 58201
Agreement
Type Line of Credit Amount Amount on Record Term 120 Months Due Jan 3, 2028
Interest
February 2017: Grant Deed, Transfer Document Type Grant Deed Jurisdiction HENNEPIN MN Recording Date Feb 8, 2017 Property Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Document Number 0005421245 Instrument Date Jan 3, 2017 Instrument 5421245 Transaction Type Transfer Record Updated Feb 14, 2017 Title Company BURNET TITLE LLC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $8,245.00 Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Joint Tenants with Right of Survivorship Address 2715 PENCE LN EXCELSIOR MN 553319590, EXCELSIOR, MN 55331-9590
Mortgage
Document Number 5421246 Date Feb 8, 2017 Instrument 5421246
Lender
Name ALERUS MTG Type Mortgage Company Address 11100 WAYZATA BLVD # 570, MINNETONKA, MN 55305-5534
Agreement
Amount Amount on Record Term 360 Months Due Feb 7, 2047
Interest
Rate Type Adjustable Rate Rate 3.5%
February 2017: Grant Deed, Transfer Document Type Grant Deed Jurisdiction HENNEPIN MN Recording Date Feb 8, 2017 Property Address 2715 PENCE LN, EXCELSIOR, MN 55331-9590 Document Number 0010410662 Instrument Date Jan 3, 2017 Instrument 10410662 Transaction Type Transfer Record Updated Feb 28, 2017 Title Company BURNET TITLE LLC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $8,245.00 Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Joint Tenants with Right of Survivorship Address 2715 PENCE LN EXCELSIOR MN 553319590, EXCELSIOR, MN 55331-9590
Mortgage
Document Number 10410663 Date Feb 8, 2017 Instrument 10410663
Lender
Name ALERUS MTG Type Mortgage Company Address 11100 WAYZATA BLVD # 570, MINNETONKA, MN 55305-5534
Agreement
Amount Amount on Record Term 360 Months Due Feb 7, 2047
Interest
Rate Type Adjustable Rate Rate 3.5%
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Tax Assessment & Valuation
The 2025 property tax bill for 2715 Pence Ln was $45,561.
Source: Hennepin County assessment roll, as of June 23, 2026
Property Jurisdictions
Type Name State Minnesota County Hennepin County Municipality Orono City Unified School District Westonka Public School District (PK - 12)
Tax Bill & Assessment History
Year Tax Bill Assessed Value Assessed Market Value 2025 $45,561.00 $4,102,000 Land $1,672,700 Building $2,429,300 $4,102,000 Land $1,672,700 Building $2,429,300 2023 $35,456.00 Homeowner's exemption 2022 $3,589,000 Land $1,673,000 Building $1,916,000 $3,589,000 Land $1,673,000 Building $1,916,000
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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Tax and assessment analysis, valuation & comps, ownership context, and lien insights — all in one PDF. See a sample report →
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Flood
FEMA maps place 2715 Pence Ln in Zone X, an area of minimal flood risk, within 100 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 Xminimal risk Nearest Special Flood Hazard Area Zone AE, within 100 ft Flood Insurance Requirement Not requiredlenders may require it Nearby Flood Policies 4 in force Nearby Flood Claims 2 (1978–2014) Most Recent Claim Jun 2014 · rainfall accumulation
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
Wildfire risk around 2715 Pence Ln 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 Lowlower than 95% of the US · lower than 84% of Minnesota Wildfire Likelihood Under 0.01% annual chance Exposure Nonebeyond 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 Oronoserves 2,505 people · EPA ID MN1270041 Water Source Groundwater Last State Inspection Mar 2024 Lead Under 1 ppb (2026)action level 15 ppb Copper 1.38 mg/L (2026)action level 1.3 mg/L
Violations Reported to EPA
Water Quality Nonelast 10 years Treatment and Procedure Nonelast 10 years Monitoring and Reporting Nonelast 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 122 locations within half a mile, as of December 31, 2025
Provider Max Down / Up (Mbps) Mediacom XtreamCable 1,000 / 50 VerizonFixed Wireless 300 / 20 AT&TFixed Wireless 100 / 20
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