4313 Cottagewood Ct, Excelsior, MN 55331 Property Records

Hennepin County property record for 4313 Cottagewood Ct, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 2,172 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$424,670 (Feb 2021)
Tax Bill	$4,924 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-117-24-24-0101`

Property Details

APN / Parcel Number

Primary APN	`34-117-24-24-0101`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,172 sqft Living Area
Gross Area	2,678 sqft
1st Floor Area	945 sqft
2nd Floor Area	1,227 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	130 ft deep x 52 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	506 sqft
Porch	Open Porch
Deck Area	364 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4313 COTTAGEWOOD CT
City	EXCELSIOR
State	MN
Zip	55331-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLOCK 013 B WOODLAND COVE NW 52X130
Legal Range	24
Legal Township	117
Legal Section	34
Legal Quarter	24
Legal Subdivision	WOODLAND COVE
Legal Block	13
Legal Lot Number	2
Jurisdiction	HENNEPIN MN
Township / Civil Division	MINNETRISTA
Census Block Group	2
Census Block	2026
Census Tract	27703

Owner

4313 Cottagewood Ct is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4313 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
Jul 20, 2022	Deed of Trust, Mortgage TRUSTONE FINANCIAL CU
Feb 11, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M/I FINANCIAL LLC
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	Feb 11, 2021 · Amount on File
Deed Sale	Feb 11, 2021 · Amount on File
Prior Sale	May 8, 2018 · Amount on File
Deed Document Number	202110915108
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	4313 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4313 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139

Mortgage

Document Number	0A11130216
Date	Jul 20, 2022
Instrument	A11130216

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 15, 2027

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Feb 11, 2021
Property Address	4313 COTTAGEWOOD CT, EXCELSIOR, MN 55331-2139
Document Number	0A10915108
Instrument Date	Feb 11, 2021
Instrument	A10915108
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 15, 2022
Title Company	TRANSOHIO TITLE, TRANSOHIO RES TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,401.41
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4313 COTTAGEWOOD CT, MINNETRISTA, MN 55331-2139

Mortgage

Document Number	0A10915109
Date	Feb 11, 2021
Instrument	A10915109

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENNEPIN MN
Recording Date	May 8, 2018
Property Address	4313 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	4313 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 4313 Cottagewood Ct was $4,924 with a homeowner's exemption.

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	$4,924.00	$510,600 Land $126,000 Building $384,600	$510,600 Land $126,000 Building $384,600
2023	$4,102.00 Homeowner's exemption
2022		$487,000 Land $137,000 Building $350,000	$487,000 Land $137,000 Building $350,000

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

Flood

FEMA maps place 4313 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 4313 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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