12403 73rd St NE, Elk River, MN 55330 Property Records

Wright County property record for 12403 73rd St NE, Elk River, MN 55330

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,228 sqft · built 2011
Lot Size	0.266 acres (11,626 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,000 (Apr 2018)
Tax Bill	$5,206 (2026)
Deeds & Mortgages	Jul 2022 Second Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`118-197-016020`

Property Details

APN / Parcel Number

Primary APN	`118-197-016020`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,228 sqft Living Area
1st Floor Area	1,132 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,626 sqft (0.266 acres)
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12403 73RD ST NE
City	ELK RIVER
State	MN
Zip	55330-5058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-121 RANGE-023 MARTIN FARMS LOT-002 BLOCK-016
Legal Range	023
Legal Township	121
Legal Section	30
Legal Subdivision	MARTIN FARMS
Legal Block	16
Legal Lot Number	2
Jurisdiction	WRIGHT MN
Township / Civil Division	OTSEGO
Census Block Group	4
Census Block	4008
Census Tract	100102

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	2 Individual Names on Record
Mailing Address	12403 73RD ST NE, ELK RIVER, MN 55330-5058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALERUS FINANCIAL NA
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
Dec 16, 2019	Deed of Trust, Mortgage · Line of Credit HIWAY FCU
Apr 22, 2021	Deed of Trust, Mortgage · Line of Credit HIWAY CU
Apr 26, 2018	Warranty Deed, Transfer BURNET TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2018 · Amount on Record
Deed Sale	Apr 26, 2018 · Amount on Record
Prior Sale	Mar 5, 2012 · Amount on Record
Deed Document Number	20181368892
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	12403 73RD ST NE, OTSEGO, MN 55330-5058
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1512145
Date	Jul 18, 2022
Instrument	A1512145

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	GRAND FORKS, ND 58201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 23, 2052

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	12403 73RD ST NE, OTSEGO, MN 55330-5058
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLENEXUS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001454004
Date	Jan 5, 2021
Instrument	1454004

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	12403 73RD ST NE, OTSEGO, MN 55330-5058
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001413668
Date	Dec 16, 2019
Instrument	1413668

Lender

Name	HIWAY FCU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 30, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	12403 73RD ST NE, OTSEGO, MN 55330-5058
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001467518
Date	Apr 22, 2021
Instrument	1467518

Lender

Name	HIWAY CU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 31, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 26, 2018
Property Address	12403 73RD ST NE, OTSEGO, MN 55330-5058
Document Number	0001368892
Instrument Date	Apr 25, 2018
Instrument	1368892
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	BURNET TITLE

Transaction

Amount	Amount Recorded
Tax	$1,145.10
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	12403 73RD ST NE, OTSEGO, MN 55330-5058
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$5,206.00 (-1.51%)	$483,700 (+3.16%) Land $100,000 Building $383,700	$483,700 (+3.16%) Land $100,000 Building $383,700
2025		$468,900 (-8.09%) Land $105,000 Building $363,900	$468,900 (-8.09%) Land $105,000 Building $363,900
2023	$5,286.00 (+2.13%)	$510,200 Land $108,000 Building $402,200	$510,200 Land $108,000 Building $402,200
2022	$5,176.00

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 86% 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35

May also be available: CenturyLink, Verizon.

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