Wright County property record for 3106 Kaeding Ln, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,380 sqft · built 2004 |
| Lot Size | 0.333 acres (14,523 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Apr 2021) |
| Tax Bill | $4,530 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-260-002010 |
| Primary APN | 114-260-002010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 4 Stories |
| Building Area | 1,380 sqft Living Area |
| 1st Floor Area | 1,380 sqft |
| Basement Area | 660 sqft |
| Finished Basement | 660 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,523 sqft (0.333 acres) |
| Garage Area | 722 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 198 sqft |
| Deck Area | Deck Area |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3106 KAEDING LN |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-3086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-14 TWP-120 RANGE-024 WILDFLOWER 2ND ADDN LOT-001 BLOCK-002 002 |
| Legal Range | 024 |
| Legal Township | 120 |
| Legal Section | 14 |
| Legal Subdivision | WILDFLOWER 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 100803 |
Source: Wright County records · APN 114-260-002010
Assessment roll updated July 20, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3106 KAEDING LN, SAINT MICHAEL, MN 55376-3086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 07, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC |
| Jun 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI MILEND |
| Oct 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MILEND |
| Oct 13, 2017 | Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 07, 2021 · Amount on Record |
| Deed Sale | Apr 07, 2021 · Amount on Record |
| Prior Sale | Aug 11, 2014 · Amount on Record |
| Deed Document Number | 20211465669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Apr 07, 2021 |
| Property Address | 3106 KAEDING LN, SAINT MICHAEL, MN 55376-3086 |
| Document Number | 0001465669 |
| Instrument Date | Mar 29, 2021 |
| Instrument | 1465669 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3106 KAEDING LN, SAINT MICHAEL, MN 55376-3086 |
| Document Number | 0001465670 |
|---|---|
| Date | Apr 07, 2021 |
| Instrument | 1465670 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 3106 KAEDING LN, SAINT MICHAEL, MN 55376-3086 |
| Document Number | 0001408065 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3106 KAEDING LN ST MICHAEL MN 553763086, ST MICHAEL, MN 55376-3086 |
| Document Number | 0001408065 |
|---|---|
| Date | Oct 14, 2019 |
| Instrument | 1408065 |
| Name | MILEND |
|---|---|
| Address | ALPHARETTA, GA 30009 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 3106 KAEDING LN, SAINT MICHAEL, MN 55376-3086 |
| Document Number | 0001361016 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3106 KAEDING LN ST MICHAEL MN 553763086, ST MICHAEL, MN 55376-3086 |
| Document Number | 0001361016 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 1361016 |
| Name | MILEND |
|---|---|
| Address | ATLANTA, GA 30350 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 3106 KAEDING LN, SAINT MICHAEL, MN 55376-3086 |
| Document Number | 0001361017 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3106 KAEDING LN ST MICHAEL MN 553763086, ST MICHAEL, MN 55376-3086 |
| Document Number | 0001361017 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 1361017 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Wright County records · Assessment roll updated July 20, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wright County |
| Municipality | St. Michael City |
| Unified School District | St. Michael-Albertville School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,530.00 (+11.8%) | $401,200 (+2.06%) Land $105,000 Building $296,200 | $401,200 (+2.06%) Land $105,000 Building $296,200 |
| 2025 | $393,100 (+1.87%) Land $107,000 Building $286,100 | $393,100 (+1.87%) Land $107,000 Building $286,100 | |
| 2023 | $4,052.00 (+2.32%) | $385,900 Land $105,900 Building $280,000 | $385,900 Land $105,900 Building $280,000 |
| 2022 | $3,960.00 |
Source: FEMA National Flood Hazard Layer as of April 19, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: LTD Broadband, Verizon, Xtratyme Technologies.
Based on FCC filings for 301 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Joint Powers Water Board serves 30,922 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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