10111 45th Pl NE, Saint Michael, MN 55376 Property Records

Wright County property record for 10111 45th Pl NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,148 sqft · built 2000
Lot Size	0.266 acres (11,590 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Sep 2025)
Tax Bill	$4,010 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-084-003100`

Property Details

APN / Parcel Number

Primary APN	`114-084-003100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2006
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,590 sqft (0.266 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10111 45TH PL NE
City	SAINT MICHAEL
State	MN
Zip	55376-9422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 MAPLE RIDGE ESTATES 3RD ADDN LOT-010 BLOCK-003 10 BLOCK-003
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	MAPLE RIDGE ESTATES
Legal Block	3
Legal Lot Number	10
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2011
Census Tract	100803

Owner

10111 45th Pl NE is owned and occupied by an individual who bought it in September 2025.

Source: Wright County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422
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

Date	Document
Sep 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Sep 10, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Aug 18, 2020	Deed of Trust, Mortgage · Line of Credit HIGHLANDS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Prior Sale	Sep 19, 2000 · Amount on File
Deed Document Number	20251585132
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	GREAT NORTHERN TITLE, GREAT NORTH TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422

Mortgage

Document Number	00A1537702
Date	Sep 5, 2023
Instrument	A1537702

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 10, 2025
Property Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Document Number	00A1585132
Instrument Date	Aug 21, 2025
Instrument	A1585132
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,188.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422

Mortgage

Document Number	00A1585133
Date	Sep 10, 2025
Instrument	A1585133

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	REGENCY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403346
Date	Aug 21, 2019
Instrument	1403346

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10111 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001437063
Date	Aug 18, 2020
Instrument	1437063

Lender

Name	HIGHLANDS BANK
Type	Bank
Address	MINNEAPOLIS, MN 55437

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 12, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 10111 45th Pl NE was $4,010, up 7.3% from the year before.

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
Municipality	St. Michael City
Unified School District	St. Michael-Albertville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,010.00 (+7.33%)	$357,900 (+1.62%) Land $105,000 Building $252,900	$357,900 (+1.62%) Land $105,000 Building $252,900
2025	$3,736.00	$352,200 Land $107,000 Building $245,200	$352,200 Land $107,000 Building $245,200
2023	$3,708.00 (+2.04%)	$349,500 Land $105,900 Building $243,600	$349,500 Land $105,900 Building $243,600
2022	$3,634.00

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

Flood

FEMA maps place 10111 45th Pl NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026

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 10111 45th Pl NE is low, with less than 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Joint Powers Water Board serves 30,922 people · EPA ID MN1860024
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.56 mg/L (2026) action level 1.3 mg/L

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 233 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
Spectrum Cable · Fiber in parts of the area	1,000 / 35

May also be available: T-Mobile, Verizon.

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