10668 38th Cir NE, Saint Michael, MN 55376 Property Records

Wright County property record for 10668 38th Cir NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,322 sqft · built 2015
Lot Size	0.182 acres (7,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Aug 2016)
Tax Bill	$6,652 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-325-002050`

Property Details

APN / Parcel Number

Primary APN	`114-325-002050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,322 sqft Living Area
1st Floor Area	1,832 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	7,946 sqft (0.182 acres)
Garage Type	Attached
Garage Area	1,042 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10668 38TH CIR NE
City	SAINT MICHAEL
State	MN
Zip	55376-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-14 TWP-120 RANGE-024 CASCADES LOT-005 BLOCK-002
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	CASCADES
Legal Block	2
Legal Lot Number	5
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1003
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	10668 38TH CIR NE, SAINT MICHAEL, MN 55376-2200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · SBA Mortgage 21ST CENTURY BANK
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL CREDIT UNION
Jul 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage TRUSTONE FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2016 · Amount on Record
Deed Sale	Aug 16, 2016 · Amount on Record
Deed Document Number	20161322214
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10668 38TH CIR NE, SAINT MICHAEL, MN 55376-2200
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10668 38TH CIR NE, SAINT MICHAEL, MN 55376-2200

Mortgage

Document Number	00A1497638
Date	Jan 31, 2022
Instrument	A1497638

Lender

Name	21ST CENTURY BANK
Type	Bank
Address	SAINT PAUL, MN 55113

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 7, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10668 38TH CIR NE, SAINT MICHAEL, MN 55376-2200
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001462714
Date	Mar 17, 2021
Instrument	1462714

Lender

Name	TRUSTONE FINANCIAL CREDIT UNION
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	10668 38TH CIR NE, SAINT MICHAEL, MN 55376-2200
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001400164
Date	Jul 12, 2019
Instrument	1400164

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 24, 2039

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	$6,652.00 (+12.52%)	$564,100 (+2.08%) Land $113,000 Building $451,100	$564,100 (+2.08%) Land $113,000 Building $451,100
2025		$552,600 (-3.12%) Land $115,000 Building $437,600	$552,600 (-3.12%) Land $115,000 Building $437,600
2023	$5,912.00 (-0.27%)	$570,400 Land $83,200 Building $487,200	$570,400 Land $83,200 Building $487,200
2022	$5,928.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.02% 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 214 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, Verizon.

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