10151 45th Pl NE, Saint Michael, MN 55376 Property Records

Wright County property record for 10151 45th Pl NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,172 sqft · built 2000
Lot Size	0.3 acres (13,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,900 (Apr 2012)
Tax Bill	$3,858 (2026)
Deeds & Mortgages	Feb 2023 Second Mortgage Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-084-003050`

Property Details

APN / Parcel Number

Primary APN	`114-084-003050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	4 Stories
Building Area	1,172 sqft Living Area
1st Floor Area	1,171 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,095 sqft (0.3 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	231 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10151 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-005 BLOCK-003 05 BLOCK-003
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	MAPLE RIDGE ESTATES
Legal Block	3
Legal Lot Number	5
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2011
Census Tract	100803

Owner

Source: Wright County records, as of July 20, 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	2 Individual Names on Record
Mailing Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOPLINE FINANCIAL CU
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOPLINE FCU
Mar 9, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOPLINE FCU
Jan 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TOPLINE FCU
Mar 13, 2017	Deed of Trust, Mortgage · Conventional with PMI TOPLINE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2012 · Amount on Record
Deed Sale	Apr 9, 2012 · Amount on Record
Prior Sale	Nov 29, 2000 · Amount on Record
Deed Document Number	2012117730
Last Transfer Date	Dec 26, 2020
Transfer Doc	0001455955
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Mar 28, 2023
Title Company	US TITLE, CU TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1526169
Date	Feb 21, 2023
Instrument	A1526169

Lender

Name	TOPLINE FINANCIAL CU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2033

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403099
Date	Aug 16, 2019
Instrument	1403099

Lender

Name	TOPLINE FCU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	US TITLE, CU TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001461483
Date	Mar 9, 2021
Instrument	1461483

Lender

Name	TOPLINE FCU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Jan 21, 2021
Property Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Document Number	0001455955
Instrument Date	Dec 26, 2020
Instrument	1455955
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ANCONA TITLE AND ESCROW

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
Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422

Mortgage

Document Number	0001455956
Date	Jan 21, 2021
Instrument	1455956

Lender

Name	TOPLINE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10151 45TH PL NE, SAINT MICHAEL, MN 55376-9422
Document Number	0001339557
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017
Title Company	LENDSERV NATIONAL TITLE, LENDSERV NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10151 45TH PL NE ST MICHAEL MN 553769422, ST MICHAEL, MN 55376-9422

Mortgage

Document Number	0001339557
Date	Mar 23, 2017
Instrument	1339557

Lender

Name	TOPLINE FCU
Type	Credit Union
Address	MAPLE GROVE, MN 55369

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2047

Tax Assessment & Valuation

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	$3,858.00 (+16.63%)	$345,800 (+1.68%) Land $105,000 Building $240,800	$345,800 (+1.68%) Land $105,000 Building $240,800
2025		$340,100 (+7.87%) Land $107,000 Building $233,100	$340,100 (+7.87%) Land $107,000 Building $233,100
2023	$3,308.00 (+2.73%)	$315,300 Land $105,900 Building $209,400	$315,300 Land $105,900 Building $209,400
2022	$3,220.00

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 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

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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