10143 45th Pl NE, Saint Michael, MN 55376 Property Records

Wright County property record for 10143 45th Pl NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,796 sqft · built 2000
Lot Size	0.293 acres (12,777 sqft)
Owner	2 Individual Names on File
Last Sale	$162,000 (Jan 2009)
Tax Bill	$4,122 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-084-003060`

Property Details

APN / Parcel Number

Primary APN	`114-084-003060`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,796 sqft Living Area
1st Floor Area	1,160 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2007
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,777 sqft (0.293 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	28 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10143 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-006 BLOCK-003 06 BLOCK-003
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	MAPLE RIDGE ESTATES
Legal Block	3
Legal Lot Number	6
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2011
Census Tract	100803

Owner

10143 45th Pl NE is owned and occupied by two individuals who acquired it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10143 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
Nov 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUSTONE FINANCIAL CU
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2009 · Amount on File
Deed Sale	Jan 13, 2009 · Amount on File
Prior Sale	Apr 21, 2006 · Amount on File
Deed Document Number	2009110023
Last Transfer Date	Apr 23, 2020
Transfer Doc	0001425213
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10143 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Jan 1, 2024
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10143 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Investor	Possibly a Property Investor

Mortgage

Document Number	00A1543014
Date	Nov 27, 2023
Instrument	A1543014

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 5, 2043

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10143 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001459282
Date	Feb 18, 2021
Instrument	1459282

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10143 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001371327
Date	Jun 1, 2018
Instrument	1371327

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	May 1, 2020
Property Address	10143 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Document Number	0001425213
Instrument Date	Apr 23, 2020
Instrument	1425213
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	RADIAN SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10143 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Investor	Possibly a Property Investor

Mortgage

Document Number	0001425214
Date	May 1, 2020
Instrument	1425214

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10143 45th Pl NE was $4,122.

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	$4,122.00	$363,300 (+0.67%) Land $105,000 Building $258,300	$363,300 (+0.67%) Land $105,000 Building $258,300
2025		$360,900 Land $107,000 Building $253,900	$360,900 Land $107,000 Building $253,900
2023	$3,866.00 (+4.26%)	$356,900 Land $105,900 Building $251,000	$356,900 Land $105,900 Building $251,000
2022	$3,708.00

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

Flood

FEMA maps place 10143 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 10143 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 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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