5016 Bluff Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 5016 Bluff Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 968 sqft · built 1999
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Sep 2025)
Tax Bill	$3,410 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-493-0216`

Property Details

APN / Parcel Number

Primary APN	`65-493-0216`
Alternative APNs	`65-00493-0216` `29454`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	968 sqft Living Area
1st Floor Area	968 sqft
Basement Area	740 sqft
Finished Basement	740 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
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	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	640 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	235 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	29454
Street Address	5016 BLUFF RD
City	BIG LAKE
State	MN
Zip	55309-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLK 2
Legal Range	28W
Legal Township	33N
Legal Section	13
Legal Subdivision	MITCHELL LAKE RIDGE SECOND ADDITION
Legal Block	2
Legal Lot Number	8
Jurisdiction	SHERBURNE MN
Township / Civil Division	BIG LAKE
Census Block Group	1
Census Block	1021
Census Tract	30406

Owner

Source: Sherburne County records, as of September 15, 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	5016 BLUFF RD, BIG LAKE, MN 55309-8965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Line of Credit CORTRUST BANK NA
Sep 17, 2025	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Apr 9, 2018	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Apr 19, 2004 · Amount on Record
Deed Document Number	2025988097
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5016 BLUFF RD, BIG LAKE, MN 55309-8965
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5016 BLUFF RD, BIG LAKE, MN 55309-8965

Mortgage

Document Number	0000937160
Date	Feb 3, 2022
Instrument	937160

Lender

Name	CORTRUST BANK NA
Type	Bank
Address	DELANO, MN 55328

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jan 24, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 17, 2025
Property Address	5016 BLUFF RD, BIG LAKE, MN 55309-8965
Document Number	0000988097
Instrument Date	Sep 10, 2025
Instrument	988097
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5016 BLUFF RD, BIG LAKE, MN 55309-8965

Mortgage

Document Number	0000988098
Date	Sep 17, 2025
Instrument	988098

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5016 BLUFF RD, BIG LAKE, MN 55309-8965
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000854372
Date	Apr 9, 2018
Instrument	854372

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$302,800 (+6.1%) Land $80,000 Building $222,800	$302,800 (+6.1%) Land $80,000 Building $222,800
2025	$3,410.00 (+3.33%)	$285,400 (-0.17%) Land $80,000 Building $205,400	$285,400 (-0.17%) Land $80,000 Building $205,400
2023	$3,300.00	$285,900 Land $80,700 Building $205,200
2021			$285,900 Land $80,700 Building $205,200

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 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

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	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	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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Windstream DSL	200 / 20

May also be available: SkyNet Broadband, Verizon.

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