Hennepin County property record for 45 Clay Cliffe Dr, Excelsior, MN 55331
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 6,576 sqft · built 1985 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,500,000 (Jul 2026) |
| Tax Bill | $32,703 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Dec 2023 Sale + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-117-23-21-0022 |
| Primary APN | 28-117-23-21-0022 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 6,576 sqft Living Area |
| Gross Area | 7,595 sqft |
| 1st Floor Area | 3,940 sqft |
| 2nd Floor Area | 2,618 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 28,314 sqft (0.65 acres) |
| Lot Dimensions | 196 ft deep x 143 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 1,019 sqft |
| Porch | Open Porch |
| Deck Area | 1,208 sqft |
| Patio Area | 319 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 45 CLAY CLIFFE DR |
|---|---|
| City | EXCELSIOR |
| State | MN |
| Zip | 55331-9510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 003 BLOCK 004 T CLAY CLIFFE N 143X196X146X193 |
| Legal Range | 23 |
| Legal Township | 117 |
| Legal Section | 28 |
| Legal Quarter | 21 |
| Legal Subdivision | CLAY CLIFFE |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | TONKA BAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 27501 |
Source: Hennepin County records, as of July 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 17, 2026 | Warranty Deed, Transfer EXECUTIVE TITLE |
| Dec 27, 2023 | Warranty Deed, Transfer WEST TITLE LLC |
| Jan 6, 2023 | Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK |
| Jun 14, 2022 | Warranty Deed, Transfer WEST TITLE LLC |
| Mar 21, 2019 | Deed of Trust, Mortgage ROYAL CU |
| Sep 5, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/MOOSE LKS |
| Apr 4, 2017 | Trustee's Deed, Construction Loan · Line of Credit PREMIER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on Record |
| Deed Sale | Jul 17, 2026 · Amount on Record |
| Prior Sale | Dec 27, 2023 · Amount on Record |
| Deed Document Number | 20266213876 |
| Prior Transfer Date | Sep 25, 2015 |
| Prior Transfer Doc | 0005298719 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Jul 17, 2026 |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Number | 0006213876 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20266213876 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $858,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Dec 27, 2023 |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Number | 00T6053005 |
| Instrument Date | Dec 20, 2023 |
| Instrument | T6053005 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | WEST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,246.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 119 BLUE NOTE, IRVINE, CA 92618-1308 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2023 |
| Title Company | SOURCEPOINT FULFILLMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 18864 65TH PL N, MAPLE GROVE, MN 55311-3554 |
| Document Number | 00T5993903 |
|---|---|
| Date | Jan 6, 2023 |
| Instrument | T5993903 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Aug 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Jun 14, 2022 |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Number | 00T5952235 |
| Instrument Date | Jun 10, 2022 |
| Instrument | T5952235 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Title Company | WEST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,085.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Number | 0005605350 |
| Instrument Date | Mar 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 CLAY CLIFFE DR EXCELSIOR MN 553319510, EXCELSIOR, MN 55331-9510 |
| Document Number | 0005605350 |
|---|---|
| Date | Apr 10, 2019 |
| Instrument | 5605350 |
| Name | ROYAL CU |
|---|---|
| Type | Credit Union |
| Address | EAU CLAIRE, WI 54703 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Apr 9, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Document Number | 0005562213 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 CLAY CLIFFE DR EXCELSIOR MN 553319510, EXCELSIOR, MN 55331-9510 |
| Document Number | 0005562213 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 5562213 |
| Name | FIRST NAT'L BK/MOOSE LKS |
|---|---|
| Type | Bank |
| Address | PO BOX 429, MOOSE LAKE, MN 55767-0429 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 13, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Apr 4, 2017 |
| Property Address | 45 CLAY CLIFFE DR, EXCELSIOR, MN 55331-9510 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 5433384 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 CLAY CLIFFE DR EXCELSIOR MN 553319510, EXCELSIOR, MN 55331-9510 |
| Document Number | 0005433384 |
|---|---|
| Date | Apr 4, 2017 |
| Instrument | 5433384 |
| Name | PREMIER BK |
|---|---|
| Type | Bank |
| Address | BLAINE, MN 55449 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 3, 2018 |
| Rate Type | Adjustable Rate |
|---|
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Tonka Bay City |
| Unified School District | Minnetonka Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $32,703.00 (+5.99%) | $2,525,600 (+2.35%) Land $930,000 Building $1,595,600 | $2,525,600 (+2.35%) Land $930,000 Building $1,595,600 |
| 2024 | $30,855.00 (+150.55%) | $2,467,600 (+130.62%) Land $700,000 Building $1,767,600 | $2,467,600 (+130.62%) Land $700,000 Building $1,767,600 |
| 2023 | $12,315.00 | ||
| 2022 | $1,070,000 Land $642,000 Building $428,000 | $1,070,000 Land $642,000 Building $428,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Claims | 4 (1987–2017) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Aug 2017 · river or lake flooding |
| Claims by Event |
|
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Tonka Bay serves 1,442 people · EPA ID MN1270013 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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