220 2nd St SE, Saint Michael, MN 55376 Property Records

Wright County property record for 220 2nd St SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,206 sqft · built 2021
Lot Size	0.838 acres (36,524 sqft)
Owner	2 Individual Names on File
Last Sale	$648,740 (Sep 2023)
Tax Bill	$7,204 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-383-001120`

Property Details

APN / Parcel Number

Primary APN	`114-383-001120`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,206 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2023
Roof Type	Hip
Lot Area	36,524 sqft (0.838 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	220 2ND ST SE
City	SAINT MICHAEL
State	MN
Zip	55376-7528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-120 RANGE-024 CREEKSIDE WEST LOT-012 BLOCK-001
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE WEST
Legal Block	1
Legal Lot Number	12
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4015
Census Tract	100805

Owner

220 2nd St SE is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	220 2ND ST SE, SAINT MICHAEL, MN 55376-7528
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
Oct 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Jul 21, 2021	Warranty Deed, Transfer EXECUTIVE TITLE NORTHWEST LLC, EXECUTIVE TITLE NORTHWEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2023 · Amount on File
Deed Sale	Sep 28, 2023 · Amount on File
Prior Sale	Jul 21, 2021 · Amount on File
Deed Document Number	20231584450
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	220 2ND ST SE, SAINT MICHAEL, MN 55376-7528
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 2ND ST SE, SAINT MICHAEL, MN 55376-7528

Mortgage

Document Number	0000T38392
Date	Oct 13, 2025
Instrument	T38392

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 29, 2023
Property Address	220 2ND ST SE, SAINT MICHAEL, MN 55376-7528
Document Number	0000T36942
Instrument Date	Sep 28, 2023
Instrument	T36942
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	EXECUTIVE TITLE NORTHWEST LLC, EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,140.84
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	220 2ND ST SE, SAINT MICHAEL, MN 55376-7528

Mortgage

Document Number	0000T36943
Date	Sep 29, 2023
Instrument	T36943

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 21, 2021
Property Address	220 2ND ST SE, SAINT MICHAEL, MN 55376-7528
Document Number	0000035367
Instrument Date	Jul 21, 2021
Instrument	35367
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	EXECUTIVE TITLE NORTHWEST LLC, EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20401 COUNTY ROAD 81 STE 100, 100, ROGERS, MN 55374-4660
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 220 2nd St SE was $7,204.

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	$7,204.00	$607,300 (+2.71%) Land $175,000 Building $432,300	$607,300 (+2.71%) Land $175,000 Building $432,300
2025		$591,300 Land $175,000 Building $416,300	$591,300 Land $175,000 Building $416,300
2023	$5,714.00 (+2,757%)	$611,200 Land $173,900 Building $437,300	$611,200 Land $173,900 Building $437,300
2022	$200.00

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

Flood

FEMA maps place 220 2nd St SE 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 220 2nd St SE 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	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 284 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, GigFire, T-Mobile, Verizon.

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