4635 Sterling Dr, Big Lake, MN 55309 Property Records

Sherburne County property record for 4635 Sterling Dr, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,074 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Dec 2021)
Tax Bill	$3,914 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`65-491-0605`

Property Details

APN / Parcel Number

Primary APN	`65-491-0605`
Alternative APNs	`65-00491-0605` `29392`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,074 sqft Living Area
1st Floor Area	1,074 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	710 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	177 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	29392
Street Address	4635 STERLING DR
City	BIG LAKE
State	MN
Zip	55309-8839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK 6
Legal Range	28W
Legal Township	33N
Legal Section	13
Legal Subdivision	THE SHORES OF LAKE MITCHELL FIFTH
Legal Block	6
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	BIG LAKE
Census Block Group	1
Census Block	1010
Census Tract	30406

Owner

4635 Sterling Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4635 STERLING DR, BIG LAKE, MN 55309-8839
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Oct 6, 2009 · Amount on File
Deed Document Number	2021934795
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Dec 22, 2021
Property Address	4635 STERLING DR, BIG LAKE, MN 55309-8839
Document Number	0000934795
Instrument Date	Dec 14, 2021
Instrument	934795
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
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	4635 STERLING DR, BIG LAKE, MN 55309-8839

Mortgage

Document Number	0000934796
Date	Dec 22, 2021
Instrument	934796

Lender

Name	CMG MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4635 Sterling Dr was $3,914 with a homeowner's exemption.

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Big Lake City
County	Sherburne County
Unified School District	Big Lake Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$319,600 (-0.78%) Land $84,800 Building $234,800	$319,600 (-0.78%) Land $84,800 Building $234,800
2025	$3,914.00	$322,100 Land $84,800 Building $237,300	$322,100 Land $84,800 Building $237,300
2023	$3,710.00	$313,800 Land $81,100 Building $232,700
2021			$313,800 Land $81,100 Building $232,700

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

Flood

FEMA maps place 4635 Sterling Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4635 Sterling Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	Big Lake serves 13,056 people · EPA ID MN1710002
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	1 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SkyNet Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20

May also be available: Verizon.

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