20695 Spencer Ln Excelsior, MN 55331
5
Beds
4.5
Baths
4,888
Sq Ft
0.79
Acres
Highlights
- 2 Fireplaces
- Bonus Room
- Home Office
- Deephaven Elementary School Rated A
- No HOA
- Built-In Double Oven
About This Home
As of July 2025Turnkey Charles Cudd-built home situated just outside Cottagewood and within walking distance of Excelsior. Leverage the exceptional location with convenient access to the Lake Minnetonka Regional Trail, nearby Cottagewood General Store, marinas, yacht clubs, and the award-winning Minnetonka School District. Offering a bright and airy interior with walls of windows, enameled millwork, and well-designed spaces for both daily living and entertainment, as well as a flexible floor plan that includes an oversized bonus area above the garage with its own separate entrance, perfect for an apartment, guest suite, or home office. Relax and enjoy the spacious backyard, which offers ample room for recreation and the possibility of adding a future swimming pool.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $21,372
Year Built
- Built in 2006
Lot Details
- 0.79 Acre Lot
- Lot Dimensions are 113x245x302x166
Parking
- 3 Car Attached Garage
Home Design
- Shake Siding
Interior Spaces
- 2-Story Property
- Wet Bar
- 2 Fireplaces
- Family Room
- Living Room
- Home Office
- Bonus Room
- Utility Room
Kitchen
- Built-In Double Oven
- Cooktop
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Disposal
- The kitchen features windows
Bedrooms and Bathrooms
- 5 Bedrooms
Laundry
- Dryer
- Washer
Finished Basement
- Basement Fills Entire Space Under The House
- Basement Window Egress
Additional Homes
- One Bathroom Guest House
Utilities
- Forced Air Heating and Cooling System
- Well
Community Details
- No Home Owners Association
- Alden Wood Subdivision
Listing and Financial Details
- Assessor Parcel Number 2511723220068
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Apr 9, 2025
Closed on
Jun 23, 2025
Sold by
Francis Cynthia
Bought by
Kundu Anupam and Patra Sanghamitra
Seller's Agent
Daniel Hollerman
Compass
Buyer's Agent
Daniel Hollerman
Compass
List Price
$2,150,000
Sold Price
$1,950,000
Premium/Discount to List
-$200,000
-9.3%
Views
39
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
114.15%
Purchase Details
Closed on
Jul 16, 2021
Sold by
Oakley Vicky L
Bought by
Francis Cynthia
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$548,000
Interest Rate
3%
Mortgage Type
New Conventional
Purchase Details
Closed on
Jun 25, 2021
Sold by
Scott Hailie Brook and Scott William Lee
Bought by
Oakley Vicky L and National Equity Inc
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$548,000
Interest Rate
3%
Mortgage Type
New Conventional
Purchase Details
Closed on
Jun 23, 2021
Sold by
Oakley Vicky L
Bought by
Oakley Vicky L and Trust Agreement
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$548,000
Interest Rate
3%
Mortgage Type
New Conventional
Purchase Details
Closed on
Nov 22, 2019
Sold by
Zima Timothy L and Zima Kristin D
Bought by
Scott Hailie Brook and Scott William Lee
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$847,000
Interest Rate
3.75%
Mortgage Type
New Conventional
Purchase Details
Closed on
May 31, 2017
Sold by
Zima Timothy L and Zima Karistin
Bought by
Zima Timothy L and Zima Kristin D
Purchase Details
Closed on
Sep 16, 2008
Sold by
Denman Richard W and Denman Linda P
Bought by
Zima Timothy L and Zima Kristin
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$1,166,400
Interest Rate
5.12%
Mortgage Type
Adjustable Rate Mortgage/ARM
Purchase Details
Closed on
Feb 1, 2006
Sold by
Kawell Associates Inc
Bought by
Denman Richard W and Denman Linda P
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$825,000
Interest Rate
5.62%
Mortgage Type
Construction
Similar Homes in Excelsior, MN
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The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $1,948,000 | Flex Title | |
| Deed | $1,505,000 | Accommodation | |
| Warranty Deed | $1,505,000 | Stewart Title Guaranty Co | |
| Interfamily Deed Transfer | -- | Stewart Title Guaranty Co | |
| Deed | $1,210,000 | None Available | |
| Quit Claim Deed | -- | None Available | |
| Warranty Deed | $1,296,000 | -- | |
| Warranty Deed | $293,236 | -- | |
| Deed | $1,505,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $548,000 | New Conventional | |
| Previous Owner | $847,000 | New Conventional | |
| Previous Owner | $1,000,000 | Adjustable Rate Mortgage/ARM | |
| Previous Owner | $78,000 | Future Advance Clause Open End Mortgage | |
| Previous Owner | $1,099,500 | Adjustable Rate Mortgage/ARM | |
| Previous Owner | $1,166,400 | Adjustable Rate Mortgage/ARM | |
| Previous Owner | $75,000 | Unknown | |
| Previous Owner | $825,000 | Construction |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/01/2025 07/01/25 | Sold | $1,950,000 | -9.3% | $399 / Sq Ft |
| 05/02/2025 05/02/25 | Pending | -- | -- | -- |
| 04/09/2025 04/09/25 | For Sale | $2,150,000 | -- | $440 / Sq Ft |
Source: NorthstarMLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2023 | $20,038 | $1,589,300 | $277,000 | $1,312,300 |
| 2022 | $16,746 | $1,450,000 | $220,000 | $1,230,000 |
| 2021 | $15,577 | $1,186,000 | $230,000 | $956,000 |
| 2020 | $16,703 | $1,100,000 | $173,000 | $927,000 |
| 2019 | $15,862 | $1,122,000 | $173,000 | $949,000 |
| 2018 | $16,101 | $1,063,000 | $173,000 | $890,000 |
| 2017 | $16,979 | $1,116,000 | $222,000 | $894,000 |
| 2016 | $17,291 | $1,116,000 | $304,000 | $812,000 |
| 2015 | $17,127 | $1,100,000 | $375,000 | $725,000 |
| 2014 | -- | $1,073,000 | $388,000 | $685,000 |
Source: Public Records
Agents Affiliated with this Home
-
Seller's Agent in 2025
Daniel Hollerman
Compass
(952) 292-1200
7 in this area
104 Total Sales
Map
Source: NorthstarMLS
MLS Number: 6693069
APN: 25-117-23-22-0068
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