4309 Cottagewood Ct, Excelsior, MN 55331 Property Records

Hennepin County property record for 4309 Cottagewood Ct, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.25 ba · 2,172 sqft · built 2020
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$397,245 (Jun 2020)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-117-24-24-0102`

Property Details

APN / Parcel Number

Primary APN	`34-117-24-24-0102`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,172 sqft Living Area
Gross Area	3,326 sqft
1st Floor Area	945 sqft
2nd Floor Area	1,227 sqft
Basement Area	648 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	130 ft deep x 56 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	506 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	4309 COTTAGEWOOD CT
City	EXCELSIOR
State	MN
Zip	55331-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLOCK 013 B WOODLAND COVE NW 56X130
Legal Range	24
Legal Township	117
Legal Section	34
Legal Quarter	24
Legal Subdivision	WOODLAND COVE
Legal Block	13
Legal Lot Number	3
Jurisdiction	HENNEPIN MN
Township / Civil Division	MINNETRISTA
Census Block Group	2
Census Block	2026
Census Tract	27703

Owner

4309 Cottagewood Ct is owned and occupied by two individuals who bought it in June 2020.

Source: Hennepin County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4309 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
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
Jun 23, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 29, 2020	Warranty Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L
May 8, 2018	Grant Deed, Transfer TITLE RECORDING SERVICES
May 8, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Prior Sale	May 8, 2018 · Amount on File
Deed Document Number	202010805426
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	4309 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A10979473
Date	Jun 23, 2021
Instrument	A10979473

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Jun 29, 2020
Property Address	4309 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
Document Number	0010805426
Instrument Date	Jun 29, 2020
Instrument	10805426
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 16, 2020
Title Company	TRANSOHIO RESIDENTIAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,351.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4309 COTTAGEWOOD CT MINNETRISTA MN 553312139, MINNETRISTA, MN 55331-2139

Mortgage

Document Number	10805427
Date	Jun 29, 2020
Instrument	10805427

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 8, 2018
Property Address	4309 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
Document Number	0010551446
Instrument Date	Apr 24, 2018
Instrument	10551446
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	TITLE RECORDING SERVICES

Transaction

Amount	Amount on Record
Tax	$15,229.55
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	941 HILLWIND RD NE #300 FRIDLEY MN 554325965, 300, FRIDLEY, MN 55432-5965
Investor	Possibly a Property Investor

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 8, 2018
Property Address	4309 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
Document Number	0005528878
Instrument Date	Apr 24, 2018
Instrument	5528878
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$15,229.55
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	941 HILLWIND RD NE #300 FRIDLEY MN 554325965, 300, FRIDLEY, MN 55432-5965
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4309 Cottagewood Ct was $5,209.

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Minnetrista City
Unified School District	Westonka Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,209.00	$534,400 Land $126,000 Building $408,400	$534,400 Land $126,000 Building $408,400
2023	$4,396.00 Homeowner's exemption
2022		$518,000 Land $137,000 Building $381,000	$518,000 Land $137,000 Building $381,000

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

Flood

FEMA maps place 4309 Cottagewood Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4309 Cottagewood Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	Minnetrista serves 5,888 people · EPA ID MN1270036
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.71 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

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