3980 White Oak Ln, Excelsior, MN 55331 Property Records

Carver County property record for 3980 White Oak Ln, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 2,637 sqft · built 2002
Lot Size	0.435 acres (18,949 sqft)
Owner	Individual Name on File
Last Sale	$674,000 (May 2019)
Tax Bill	$10,216 (2026)
Deeds & Mortgages	Sep 2020 Mortgage May 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-8300050`

Property Details

APN / Parcel Number

Primary APN	`25-8300050`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,637 sqft Finished Area
Gross Area	3,619 sqft
1st Floor Area	1,525 sqft
Basement Area	930 sqft
Finished Basement	930 sqft
Unfinished Basement	930 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,949 sqft (0.435 acres)
Garage Area	792 sqft

Exterior Amenities

Porch	Porch
Porch Area	252 sqft
Deck Area	120 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3980 WHITE OAK LN
City	EXCELSIOR
State	MN
Zip	55331-5701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 05 TOWNSHIP 116 RANGE 023 WHITE OAK ADDITION LOT 005 BLOCK 001
Legal Range	023
Legal Township	116
Legal Section	05
Legal Subdivision	WHITE OAK ADDITION
Legal Block	1
Legal Lot Number	5
Jurisdiction	CARVER MN
Township / Civil Division	CHANHASSEN
Census Block Group	1
Census Block	1021
Census Tract	90501

Owner

3980 White Oak Ln is owned and occupied by an individual who bought it in May 2019.

Source: Carver County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	3980 WHITE OAK LN, EXCELSIOR, MN 55331-5701
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Deed of Trust, Mortgage CROSS CNTY MTG
May 10, 2019	Warranty Deed, Transfer CROSSCOUNTRY MTG
Jan 22, 2019	Trustee's Deed, Construction Loan · Line of Credit CORTRUST BK NA
Oct 6, 2016	Loan Modification, Mortgage · Conventional Mortgage CORTRUST BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on File
Deed Sale	May 10, 2019 · Amount on File
Prior Sale	Dec 30, 2003 · Amount on File
Deed Document Number	2019209626
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARVER MN
Property Address	3980 WHITE OAK LN, EXCELSIOR, MN 55331-5701
Document Number	0000216065
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	RESULTS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3980 WHITE OAK LN EXCELSIOR MN 553315701, EXCELSIOR, MN 55331-5701

Mortgage

Document Number	0000216065
Date	Oct 23, 2020
Instrument	216065

Lender

Name	CROSS CNTY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARVER MN
Recording Date	May 10, 2019
Property Address	3980 WHITE OAK LN, EXCELSIOR, MN 55331-5701
Document Number	0000209626
Instrument Date	Apr 30, 2019
Instrument	209626
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,224.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 WHITE OAK LN EXCELSIOR MN 553315701, EXCELSIOR, MN 55331-5701

Mortgage

Document Number	209627
Date	May 10, 2019
Instrument	209627

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CARVER MN
Recording Date	Jan 22, 2019
Property Address	3980 WHITE OAK LN, EXCELSIOR, MN 55331-5701
Instrument Date	Oct 16, 2018
Instrument	208831
Transaction Type	Construction Loan
Record Updated	Feb 8, 2019
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3980 WHITE OAK LN EXCELSIOR MN 553315701, EXCELSIOR, MN 55331-5701

Mortgage

Document Number	0000208831
Date	Jan 22, 2019
Instrument	208831

Lender

Name	CORTRUST BK NA
Type	Bank
Address	BROOKLYN PARK, MN 55445

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 21, 2020

Interest

Rate Type	Adjustable Rate

October 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARVER MN
Property Address	3980 WHITE OAK LN, EXCELSIOR, MN 55331-5701
Document Number	0000206334
Instrument Date	Oct 6, 2016
Transaction Type	Mortgage
Record Updated	May 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3980 WHITE OAK LN EXCELSIOR MN 553315701, EXCELSIOR, MN 55331-5701

Mortgage

Document Number	0000206334
Date	May 7, 2018
Instrument	206334

Lender

Name	CORTRUST BK NA
Type	Bank
Address	BROOKLYN PARK, MN 55445

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	May 6, 2021

Tax Assessment & Valuation

The 2026 property tax bill for 3980 White Oak Ln was $10,216.

Source: Carver County assessment roll, as of August 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,216.00	$917,100 (+3.14%) Land $224,300 Building $692,800	$917,100 (+3.14%) Land $224,300 Building $692,800
2025		$889,200 (+7.64%) Land $218,500 Building $670,700	$889,200 (+7.64%) Land $218,500 Building $670,700
2024	$8,812.00 (+2.8%)	$826,100 (+3.22%) Land $207,000 Building $619,100	$826,100 (+3.22%) Land $207,000 Building $619,100
2023	$8,572.00	$800,300 Land $207,000 Building $593,300	$800,300 Land $207,000 Building $593,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3980 White Oak Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective November 23, 2023 · 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	4 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · 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 3980 White Oak Ln is low, with 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 80% of the US · lower than 60% 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	Chanhassen serves 24,951 people · EPA ID MN1100001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
CenturyLink DSL	140 / 20

May also be available: Verizon.

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