Hennepin County property record for 4245 Water St, Excelsior, MN 55331
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,269 sqft · built 1956 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,958 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-117-23-31-0050 |
| Primary APN | 24-117-23-31-0050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,269 sqft Living Area |
| Gross Area | 2,987 sqft |
| 1st Floor Area | 1,269 sqft |
| Basement Area | 1,142 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 100 ft deep x 113 ft wide |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 4245 WATER ST |
|---|---|
| City | EXCELSIOR |
| State | MN |
| Zip | 55331-9390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 158 A REVISED COTTAGEWOOD LOT 158 AND THAT PART OF LOT 159 LYING WLY OF E LINE OF LOT 158 EXTENDED AND SLY OF A LINE RUNNING FROM A PT IN W LINE OF LOT 159 T W 113X100X93X123 |
| Legal Range | 23 |
| Legal Township | 117 |
| Legal Section | 24 |
| Legal Quarter | 31 |
| Legal Subdivision | REVISED COTTAGEWOOD |
| Legal Block | 3 |
| Legal Lot Number | 158 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | DEEPHAVEN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 27400 |
Source: Hennepin County records, as of September 9, 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 | 4245 WATER ST, EXCELSIOR, MN 55331-9390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Dec 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 4245 WATER ST, EXCELSIOR, MN 55331-9390 |
| Document Number | 0010784627 |
| Instrument Date | May 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4245 WATER ST EXCELSIOR MN 553319390, EXCELSIOR, MN 55331-9390 |
| Document Number | 0010784627 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 10784627 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 4245 WATER ST, EXCELSIOR, MN 55331-9390 |
| Document Number | 0010743066 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4245 WATER ST EXCELSIOR MN 553319390, EXCELSIOR, MN 55331-9390 |
| Document Number | 0010743066 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 10743066 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 5, 2030 |
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Deephaven City |
| Unified School District | Minnetonka Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,958.00 (+18.46%) | $748,800 (+10.12%) Land $650,000 Building $98,800 | $748,800 (+10.12%) Land $650,000 Building $98,800 |
| 2023 | $7,562.00 Homeowner's exemption | ||
| 2022 | $680,000 Land $502,000 Building $178,000 | $680,000 Land $502,000 Building $178,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1981–2001) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 137 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 |
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