12366 72nd Ct NE, Otsego (Elk River), MN 55330 Property Records

Wright County property record for 12366 72nd Ct NE, Otsego, MN 55330

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,458 sqft · built 2018
Lot Size	0.226 acres (9,882 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (May 2021)
Tax Bill	$5,614 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`118-291-005100`

Property Details

APN / Parcel Number

Primary APN	`118-291-005100`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,458 sqft Living Area
1st Floor Area	1,418 sqft
Basement Area	914 sqft
Finished Basement	914 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,882 sqft (0.226 acres)
Garage Type	Attached
Garage Area	1,018 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12366 72ND CT NE
City	ELK RIVER
State	MN
Zip	55330-5651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-121 RANGE-023 MARTIN FARMS 3RD ADD LOT-010 BLOCK-005 -005
Legal Range	023
Legal Township	121
Legal Section	30
Legal Subdivision	MARTIN FARMS 3RD ADD
Legal Block	5
Legal Lot Number	10
Jurisdiction	WRIGHT MN
Township / Civil Division	OTSEGO
Census Block Group	4
Census Block	4010
Census Tract	100102

Owner

12366 72nd Ct NE is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12366 72ND CT NE, ELK RIVER, MN 55330-5651
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
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit BLAZE CREDIT UNION
May 28, 2021	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Oct 8, 2018	Limited Warranty Deed, Transfer · VA Mortgage NORTH AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Oct 8, 2018 · Amount on File
Deed Document Number	20211471823
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	12366 72ND CT NE, OTSEGO, MN 55330-5651
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	SERVION TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1590777
Date	Dec 1, 2025
Instrument	A1590777

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Nov 28, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 28, 2021
Property Address	12366 72ND CT NE, OTSEGO, MN 55330-5651
Document Number	0001471823
Instrument Date	May 26, 2021
Instrument	1471823
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY QUALIA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
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	12366 72ND CT NE, OTSEGO, MN 55330-5651

Mortgage

Document Number	0001471824
Date	May 28, 2021
Instrument	1471824

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 8, 2018
Property Address	12366 72ND CT NE, OTSEGO, MN 55330-5651
Document Number	0001381319
Instrument Date	Sep 14, 2018
Instrument	1381319
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,329.52
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16305 36TH AVE N # N600, 16305, PLYMOUTH, MN 55446-2884

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12366 72ND CT NE, OTSEGO, MN 55330-5651

Mortgage

Document Number	0001381321
Date	Oct 8, 2018
Instrument	1381321

Lender

Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 12366 72nd Ct NE was $5,614.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
Municipality	Otsego City
Unified School District	Elk River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,614.00	$507,600 (+0.97%) Land $100,000 Building $407,600	$507,600 (+0.97%) Land $100,000 Building $407,600
2025		$502,700 Land $105,000 Building $397,700	$502,700 Land $105,000 Building $397,700
2023	$5,920.00 (+7.13%)	$550,900 Land $102,000 Building $448,900	$550,900 Land $102,000 Building $448,900
2022	$5,526.00

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

Flood

FEMA maps place 12366 72nd Ct NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12366 72nd Ct 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 98% of the US · lower than 92% 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	Otsego serves 19,000 people · EPA ID MN1860026
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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