2397 Keystone Ave NE, Saint Michael, MN 55376 Property Records

Wright County property record for 2397 Keystone Ave NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,518 sqft · built 2020
Lot Size	0.179 acres (7,814 sqft)
Owner	2 Individual Names on File
Last Sale	$444,000 (Feb 2021)
Tax Bill	$8,546 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Sep 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-345-003150`

Property Details

APN / Parcel Number

Primary APN	`114-345-003150`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	2,518 sqft Living Area
Basement Area	686 sqft
Finished Basement	686 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	7,814 sqft (0.179 acres)
Garage Type	Attached
Garage Area	1,078 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	2397 KEYSTONE AVE NE
City	SAINT MICHAEL
State	MN
Zip	55376-2216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-23 TWP-120 RANGE-024 LAKESHORE PRESERVE LOT-015 BLOCK-003 03
Legal Range	024
Legal Township	120
Legal Section	23
Legal Subdivision	LAKESHORE PRESERVE
Legal Block	3
Legal Lot Number	15
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	3
Census Block	3000
Census Tract	100803

Owner

2397 Keystone Ave NE is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2397 KEYSTONE AVE NE, SAINT MICHAEL, MN 55376-2216
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
Feb 5, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage OLD NATIONAL BANK
Sep 30, 2020	Loan Modification, Mortgage · Line of Credit 21ST CENTURY BK
Sep 11, 2020	Warranty Deed, Transfer NOT AVAILABLE
Sep 10, 2020	Loan Modification, Mortgage · Line of Credit 21ST CENTURY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on File
Deed Sale	Feb 5, 2021 · Amount on File
Prior Sale	Sep 11, 2020 · Amount on File
Deed Document Number	20211457875
Record Updated	Sep 20, 2026

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Feb 5, 2021
Property Address	2397 KEYSTONE AVE NE, SAINT MICHAEL, MN 55376-2216
Document Number	0001457875
Instrument Date	Feb 4, 2021
Instrument	1457875
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 13, 2021
Title Company	CUSTOM HOME BUILDERS TITLE, CUSTOM HOME BUILDERS TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,465.20
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	2397 KEYSTONE AVE NE, SAINT MICHAEL, MN 55376-2216

Mortgage

Document Number	0001457876
Date	Feb 5, 2021
Instrument	1457876

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WRIGHT MN
Property Address	2397 KEYSTONE AVE NE, SAINT MICHAEL, MN 55376-2216
Document Number	0001442256
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13432 HANSON BLVD NW ANDOVER MN 553044011, ANDOVER, MN 55304-4011
Investor	Possibly a Property Investor

Mortgage

Document Number	0001442256
Date	Sep 30, 2020
Instrument	1442256

Lender

Name	21ST CENTURY BK
Type	Bank
Address	17 WASHINGTON AVE N, MINNEAPOLIS, MN 55401-2093

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 11, 2020
Property Address	2397 KEYSTONE AVE NE, SAINT MICHAEL, MN 55376-2216
Document Number	0001439821
Instrument Date	Sep 10, 2020
Instrument	1439821
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$271.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13432 HANSON BLVD NW ANDOVER MN 553044011, ANDOVER, MN 55304-4011
Investor	Possibly a Property Investor

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WRIGHT MN
Property Address	2397 KEYSTONE AVE NE, SAINT MICHAEL, MN 55376-2216
Document Number	0001439822
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13432 HANSON BLVD NW ANDOVER MN 553044011, ANDOVER, MN 55304-4011
Investor	Possibly a Property Investor

Mortgage

Document Number	0001439822
Date	Sep 11, 2020
Instrument	1439822

Lender

Name	21ST CENTURY BK
Type	Bank
Address	17 WASHINGTON AVE N, MINNEAPOLIS, MN 55401-2093

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2397 Keystone Ave NE was $8,546.

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	$8,546.00	$677,700 (-1.12%) Land $165,000 Building $512,700	$677,700 (-1.12%) Land $165,000 Building $512,700
2025		$685,400 Land $138,000 Building $547,400	$685,400 Land $138,000 Building $547,400
2023	$7,406.00 (+125.38%)	$713,300 Land $136,100 Building $577,200	$713,300 Land $136,100 Building $577,200
2022	$3,286.00

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

Flood

FEMA maps place 2397 Keystone Ave 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 2397 Keystone Ave 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 80% of the US · lower than 60% 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.

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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, GigFire.

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