5040 Bluff Rd, Big Lake, MN 55309 Property Records

Sherburne County property record for 5040 Bluff Rd, Big Lake, MN 55309

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,028 sqft · built 2000
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$154,900 (Dec 2002)
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-493-0106`

Property Details

APN / Parcel Number

Primary APN	`65-493-0106`
Alternative APNs	`65-00493-0106` `29443`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	873 sqft
Finished Basement	873 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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	484 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	54 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	29443
Street Address	5040 BLUFF RD
City	BIG LAKE
State	MN
Zip	55309-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 1
Legal Range	28W
Legal Township	33N
Legal Section	13
Legal Subdivision	MITCHELL LAKE RIDGE SECOND ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	BIG LAKE
Census Block Group	1
Census Block	1018
Census Tract	30406

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5040 BLUFF RD, BIG LAKE, MN 55309-8965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 15, 2018	Deed of Trust, Mortgage · Line of Credit KLEIN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2002 · Amount on File
Deed Sale	Dec 19, 2002 · Amount on File
Prior Sale	Sep 29, 1999 · Amount on File
Deed Document Number	200259015
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5040 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	0000907558
Date	Dec 14, 2020
Instrument	907558

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5040 BLUFF RD, BIG LAKE, MN 55309-8965
Document Number	0000890026
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 BLUFF RD BIG LAKE MN 553098965, BIG LAKE, MN 55309-8965

Mortgage

Document Number	0000890026
Date	Apr 20, 2020
Instrument	890026

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 19, 2035

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5040 BLUFF RD, BIG LAKE, MN 55309-8965
Document Number	0000859978
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 BLUFF RD BIG LAKE MN 553098965, BIG LAKE, MN 55309-8965

Mortgage

Document Number	0000859978
Date	Aug 1, 2018
Instrument	859978

Lender

Name	KLEIN BK
Type	Bank
Address	BIG LAKE, MN 55309

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 31, 2033

Interest

Rate Type	Adjustable 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		$279,700 (-0.04%) Land $80,000 Building $199,700	$279,700 (-0.04%) Land $80,000 Building $199,700
2025	$3,332.00 (+7.83%)	$279,800 (+4.29%) Land $80,000 Building $199,800	$279,800 (+4.29%) Land $80,000 Building $199,800
2023	$3,090.00	$268,300 Land $80,700 Building $187,600
2021			$268,300 Land $80,700 Building $187,600

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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