109 Main St S, Saint Michael, MN 55376 Property Records

Wright County property record for 109 Main St S, Saint Michael, MN 55376

Property Summary

Property Type	Vacant Land
Details	1,980 sqft · built 1890
Lot Size	0.461 acres (20,094 sqft)
Owner	Company Name on Record
Last Sale	$275,000 (Nov 2022)
Tax Bill	$2,992 (2022)
Deeds & Mortgages	Dec 2022 Sale Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-010-002050`

Property Details

APN / Parcel Number

Primary APN	`114-010-002050`

Interior

Stories	2 Stories
Building Area	1,980 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1971
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,094 sqft (0.461 acres)
Garage Area	572 sqft
Porch	Porch
Porch Area	208 sqft
Deck Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 MAIN ST S
City	SAINT MICHAEL
State	MN
Zip	55376-9670
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	SECT-14 TWP-120 RANGE-024 ORIGINAL PLAT ST MICHAEL LOT-005 BLOCK- B LOCK- B
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	ORIGINAL PLAT ST MICHAEL
Legal Block	B
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	11800 TOWN CENTER DR NE, 300, SAINT MICHAEL, MN 55376-1600
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Warranty Deed, Transfer CENTRAL LAND TITLE, CENTRAL LAND TTL GUARANTEE C
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Sep 6, 2018	Warranty Deed, Transfer LIBERTY TITLE INC
Jun 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage MILL CITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Apr 17, 2012 · Amount on Record
Deed Document Number	20221496528
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 12, 2022
Property Address	109 MAIN ST S, SAINT MICHAEL, MN 55376-9670
Document Number	00A1522588
Instrument Date	Nov 22, 2022
Instrument	A1522588
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	CENTRAL LAND TITLE, CENTRAL LAND TTL GUARANTEE C

Transaction

Amount	Amount Recorded
Tax	$907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11800 TOWN CENTER DR NE STE 300, 300, SAINT MICHAEL, MN 55376-1600

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	109 MAIN ST S, SAINT MICHAEL, MN 55376-9670
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EDGEWATER TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001423877
Date	Apr 17, 2020
Instrument	1423877

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 6, 2018
Property Address	109 MAIN ST S, SAINT MICHAEL, MN 55376-9670
Document Number	0001378969
Instrument Date	Aug 31, 2018
Instrument	1378969
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	LIBERTY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 MAIN ST S, SAINT MICHAEL, MN 55376-9670

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	109 MAIN ST S, SAINT MICHAEL, MN 55376-9670
Document Number	0001347752
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	FIRST AMERICAN TITLE INSURAN C

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 MAIN ST S ST MICHAEL MN 553769670, ST MICHAEL, MN 55376-9670

Mortgage

Document Number	0001347752
Date	Jul 11, 2017
Instrument	1347752

Lender

Name	MILL CITY CU
Address	9999 WAYZATA BLVD, MINNETONKA, MN 55305-5513

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 10, 2032

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		$90,000 (-8.44%) Land $90,000	$90,000 (-8.44%) Land $90,000
2023		$98,300 Land $98,300	$98,300 Land $98,300
2022	$2,992.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80% of the US · lower than 60% 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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