440 W Lake St, Excelsior, MN 55331 Property Records

Hennepin County property record for 440 W Lake St, Excelsior, MN 55331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 960 sqft · built 1930
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Dec 2021)
Tax Bill	$8,684 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-117-23-21-0014`

Property Details

APN / Parcel Number

Primary APN	`34-117-23-21-0014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,916 sqft
1st Floor Area	960 sqft
Basement Area	768 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	62 ft deep x 155 ft wide
Terrain	Wooded
View / Lot	Lake
Garage Type	Detached
Garage Area	520 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	224 sqft
Deck Area	306 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 W LAKE ST
City	EXCELSIOR
State	MN
Zip	55331-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 B AUDITORS SUBD. NO. 313 THAT PART OF LOT 3 LYING SELY OF SELY LINE OF LOT 3 BLK 3 SHELDON PARK ADDN AND THE SAME EXTENDED SWLY TO SWLY LINE OF LOT 3 INCL T S 155X62X155X100
Legal Range	23
Legal Township	117
Legal Section	34
Legal Quarter	21
Legal Subdivision	AUDITORS SUBD. NO. 313
Legal Block	3
Legal Lot Number	3
Jurisdiction	HENNEPIN MN
Township / Civil Division	EXCELSIOR
Census Block Group	2
Census Block	2010
Census Tract	27501

Owner

Source: Hennepin County records, as of June 23, 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	440 W LAKE ST, EXCELSIOR, MN 55331-1749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Aug 19, 2003 · Amount on Record
Deed Document Number	20215909544
Last Transfer Date	Sep 30, 2024
Transfer Doc	00T6114993
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Dec 23, 2021
Property Address	440 W LAKE ST, EXCELSIOR, MN 55331-1749
Document Number	0T05909544
Instrument Date	Aug 8, 2021
Instrument	T05909544
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,145.00
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	440 W LAKE ST, EXCELSIOR, MN 55331-1749

Mortgage

Document Number	0T05909545
Date	Dec 23, 2021
Instrument	T05909545

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,684.00 (+79.79%)	$675,000 (+65.85%) Land $486,000 Building $189,000	$675,000 (+65.85%) Land $486,000 Building $189,000
2023	$4,830.00 Homeowner's exemption
2022		$407,000 Land $293,000 Building $114,000	$407,000 Land $293,000 Building $114,000

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

Flood

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	4 in force
Nearby Flood Claims	2 (1987–2014)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2014 · river or lake flooding

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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	Excelsior serves 2,483 people · EPA ID MN1270012
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Metronet, Verizon, Xtratyme Technologies.

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