16050 45th St NE, Saint Michael, MN 55376 Property Records

Wright County property record for 16050 45th St NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,013 sqft · built 1939
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Feb 1999)
Tax Bill	$3,260 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-800-023202`

Property Details

APN / Parcel Number

Primary APN	`114-800-023202`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,013 sqft Living Area
1st Floor Area	675 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1975
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Area	1,124 sqft
Parking Spaces	4 Parking Spaces
Deck Area	396 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16050 45TH ST NE
City	SAINT MICHAEL
State	MN
Zip	55376-9028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-120 RANGE-023 UNPLATTED LAND ST MICHAEL2 TH PRT OF LTA OF SW1/4 DES BEG AT PT ON W LN OF SEC2 WH IT INT/SEC CTR O
Legal Range	023
Legal Township	120
Legal Section	02
Legal Subdivision	UNPLATTED LAND ST MICHAEL2
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1017
Census Tract	100806

Owner

16050 45th St NE is owned and occupied by an individual who bought it in February 1999.

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

Owner of Record	Individual Name on File
Mailing Address	16050 45TH ST NE, SAINT MICHAEL, MN 55376-9028
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
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 1999 · Amount on File
Deed Sale	Feb 16, 1999 · Amount on File
Prior Sale	Jul 22, 1997 · Amount on File
Deed Document Number	199963326
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	16050 45TH ST NE, SAINT MICHAEL, MN 55376-9028
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001483352
Date	Sep 10, 2021
Instrument	1483352

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	16050 45TH ST NE, SAINT MICHAEL, MN 55376-9028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001415120
Date	Jan 2, 2020
Instrument	1415120

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 16050 45th St NE was $3,260.

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	Elk River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,260.00	$315,100 (+2.84%) Land $138,000 Building $177,100	$315,100 (+2.84%) Land $138,000 Building $177,100
2025		$306,400 Land $138,000 Building $168,400	$306,400 Land $138,000 Building $168,400
2023	$3,270.00 (+12.22%)	$285,500 Land $128,000 Building $157,500	$285,500 Land $128,000 Building $157,500
2022	$2,914.00

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

Flood

FEMA maps place 16050 45th St NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 16050 45th St NE is low, with 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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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