305 4th St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 305 4th St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,340 sqft · built 1995
Lot Size	0.288 acres (12,545 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Nov 2018)
Tax Bill	$4,216 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-067-004030`

Property Details

APN / Parcel Number

Primary APN	`114-067-004030`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,545 sqft (0.288 acres)
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Deck Area	240 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	305 4TH ST NW
City	SAINT MICHAEL
State	MN
Zip	55376-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 CREEK RIDGE 2ND ADDN LOT-003 BLOCK-004 -004
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	4
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2019
Census Tract	100803

Owner

305 4th St NW is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 4TH ST NW, SAINT MICHAEL, MN 55376-1025
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 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CAPITAL OF MN INC
Nov 27, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CAPITAL OF MN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Deed Document Number	20181385034
Prior Transfer Date	Dec 5, 2014
Prior Transfer Doc	0001278487
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	305 4TH ST NW, SAINT MICHAEL, MN 55376-1025
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PILLAR TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001438972
Date	Sep 3, 2020
Instrument	1438972

Lender

Name	MORTGAGE CAPITAL OF MN INC
Type	Mortgage Company
Address	MAPLE GROVE, MN 55311

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 27, 2018
Property Address	305 4TH ST NW, SAINT MICHAEL, MN 55376-1025
Document Number	0001385034
Instrument Date	Nov 21, 2018
Instrument	1385034
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EDGEWATER TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
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	304 4TH ST NW, SAINT MICHAEL, MN 55376-1025

Mortgage

Document Number	0001385035
Date	Nov 27, 2018
Instrument	1385035

Lender

Name	MORTGAGE CAPITAL OF MN INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 305 4th St NW was $4,216.

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	$4,216.00	$377,000 (+2.33%) Land $105,000 Building $272,000	$377,000 (+2.33%) Land $105,000 Building $272,000
2025		$368,400 Land $107,000 Building $261,400	$368,400 Land $107,000 Building $261,400
2023	$3,782.00 (+4.76%)	$365,700 Land $105,900 Building $259,800	$365,700 Land $105,900 Building $259,800
2022	$3,610.00

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

Flood

FEMA maps place 305 4th 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 305 4th 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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