Wright County property record for 3040 Kaeding Ln, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,284 sqft · built 2013 |
| Lot Size | 0.343 acres (14,944 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,750 (Sep 2012) |
| Tax Bill | $6,062 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-260-001060 |
| Primary APN | 114-260-001060 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,284 sqft Living Area |
| 1st Floor Area | 1,192 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 14,944 sqft (0.343 acres) |
| Garage Type | Attached |
| Garage Area | 1,006 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3040 KAEDING LN |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-3087 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-14 TWP-120 RANGE-024 WILDFLOWER 2ND ADDN LOT-006 BLOCK-001 001 |
| Legal Range | 024 |
| Legal Township | 120 |
| Legal Section | 14 |
| Legal Subdivision | WILDFLOWER 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 100803 |
Source: Wright County assessment roll, 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 File |
|---|---|
| Mailing Address | 3040 KAEDING LN, SAINT MICHAEL, MN 55376-3087 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2025 | Transfer on Death Deed, Transfer |
| Mar 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL CU |
| Mar 29, 2022 | Deed of Trust, Mortgage TRUSTONE FINANCIAL CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2012 · Amount on Record |
| Deed Sale | Sep 24, 2012 · Amount on Record |
| Prior Sale | Aug 27, 2004 · Amount on Record |
| Deed Document Number | 2012119162 |
| Last Transfer Date | Oct 1, 2025 |
| Transfer Doc | 00A1586635 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Oct 2, 2025 |
| Property Address | 3040 KAEDING LN, SAINT MICHAEL, MN 55376-3087 |
| Document Number | 00A1586635 |
| Instrument Date | Oct 1, 2025 |
| Instrument | A1586635 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 3040 KAEDING LN, SAINT MICHAEL, MN 55376-3087 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | ANCONA TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 00A1502505 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | A1502505 |
| Name | TRUSTONE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 2, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.98% |
| Type Change Date | May 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.98% |
| Max Rate At Change | 4.98% |
| Index | 1-Year CMT |
| Max Rate | 8.98% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 3040 KAEDING LN, SAINT MICHAEL, MN 55376-3087 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | ANCONA TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 3040 KAEDING LN, SAINT MICHAEL, MN 55376-3087 |
| Document Number | 00A1502506 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | A1502506 |
| Name | TRUSTONE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Amount | Amount Recorded |
|---|---|
| Term | 61 Months |
| Due | Apr 2, 2027 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wright County |
| Municipality | St. Michael City |
| Unified School District | St. Michael-Albertville School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,062.00 (+12.68%) | $530,000 (+3.58%) Land $120,000 Building $410,000 | $530,000 (+3.58%) Land $120,000 Building $410,000 |
| 2025 | $5,380.00 (+3.7%) | $511,700 (+3.46%) Land $122,000 Building $389,700 | $511,700 (+3.46%) Land $122,000 Building $389,700 |
| 2023 | $5,188.00 (+0.27%) | $494,600 Land $121,000 Building $373,600 | $494,600 Land $121,000 Building $373,600 |
| 2022 | $5,174.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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