301 5th St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 301 5th St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,884 sqft · built 1997
Lot Size	0.308 acres (13,434 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Jul 2020)
Tax Bill	$5,202 (2026)
Deeds & Mortgages	Jun 2026 Mortgage May 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-004120`

Property Details

APN / Parcel Number

Primary APN	`114-067-004120`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,884 sqft Living Area
1st Floor Area	1,212 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,434 sqft (0.308 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	216 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	301 5TH ST NW
City	SAINT MICHAEL
State	MN
Zip	55376-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 CREEK RIDGE 2ND ADDN LOT-012 BLOCK-004 -004
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	4
Legal Lot Number	12
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2019
Census Tract	100803

Owner

301 5th St NW is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027
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
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ENTRUST FINANCIAL CREDIT UNION
May 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUSTONE FINANCIAL CU
Jul 10, 2020	Warranty Deed, Transfer · VA Mortgage SUMMIT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2020 · Amount on File
Deed Sale	Jul 10, 2020 · Amount on File
Prior Sale	Jun 5, 2012 · Amount on File
Deed Document Number	20201432628
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Recording Date	Jun 12, 2026
Property Address	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027
Document Number	0001604913
Instrument Date	Jun 6, 2026
Instrument	20261604913
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ANCONA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027

Mortgage

Document Number	0001604913,
Date	Jun 12, 2026
Instrument	20261604913

Lender

Name	ENTRUST FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 26, 2046

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027
Transaction Type	Mortgage
Record Updated	Jun 28, 2023
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027

Mortgage

Document Number	00A1531294
Date	May 25, 2023
Instrument	A1531294

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 9, 2033

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 10, 2020
Property Address	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027
Document Number	0001432628
Instrument Date	Jun 29, 2020
Instrument	1432628
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.40
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	301 5TH ST NW, SAINT MICHAEL, MN 55376-1027

Mortgage

Document Number	0001432629
Date	Jul 10, 2020
Instrument	1432629

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 301 5th St NW was $5,202.

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	$5,202.00	$458,200 (+2.71%) Land $105,000 Building $353,200	$458,200 (+2.71%) Land $105,000 Building $353,200
2025		$446,100 Land $107,000 Building $339,100	$446,100 Land $107,000 Building $339,100
2023	$4,616.00 (+2.3%)	$439,800 Land $105,900 Building $333,900	$439,800 Land $105,900 Building $333,900
2022	$4,512.00

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

Flood

FEMA maps place 301 5th St NW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 301 5th St NW 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	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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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