312 Circle Ln SE, Saint Michael, MN 55376 Property Records

Wright County property record for 312 Circle Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,364 sqft · built 1975
Lot Size	0.452 acres (19,711 sqft)
Owner	2 Individual Names on File
Last Sale	$417,000 (Jul 2026)
Tax Bill	$4,174 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-014-004010`

Property Details

APN / Parcel Number

Primary APN	`114-014-004010`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,352 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1987
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	19,711 sqft (0.452 acres)
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces
Deck Area	192 sqft
Storage Building	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	312 CIRCLE LN SE
City	SAINT MICHAEL
State	MN
Zip	55376-9629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-120 RANGE-024 EDGEWOOD 2ND ADDN LOT-001 BLOCK-004 4
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	EDGEWOOD 2ND ADD
Legal Block	4
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4012
Census Tract	100805

Owner

312 Circle Ln SE is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 1, 2026	Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Mar 22, 2023	Intrafamily Transfer, Transfer
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Nov 13, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Nov 13, 2018 · Amount on File
Deed Document Number	20261606321
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 1, 2026
Property Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629
Document Number	0001606321
Instrument Date	Jun 12, 2026
Instrument	20261606321
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	NORTH TITLE, GREAT NORTH TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138,986.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629

Mortgage

Document Number	0001606322,
Date	Jul 1, 2026
Instrument	20261606322

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Mar 22, 2023
Property Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629
Document Number	00A1527642
Instrument Date	Mar 21, 2023
Instrument	A1527642
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001412314
Date	Dec 2, 2019
Instrument	1412314

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 13, 2018
Property Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629
Document Number	0001383959
Instrument Date	Oct 5, 2018
Instrument	1383959
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 CIRCLE LN SE, SAINT MICHAEL, MN 55376-9629

Mortgage

Document Number	0001383960
Date	Nov 13, 2018
Instrument	1383960

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 312 Circle Ln SE was $4,174.

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	$4,174.00	$370,600 (+1.53%) Land $105,000 Building $265,600	$370,600 (+1.53%) Land $105,000 Building $265,600
2025		$365,000 Land $107,000 Building $258,000	$365,000 Land $107,000 Building $258,000
2023	$3,776.00 (+12.58%)	$362,200 Land $105,900 Building $256,300	$362,200 Land $105,900 Building $256,300
2022	$3,354.00

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

Flood

FEMA maps place 312 Circle Ln SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 312 Circle Ln SE is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: CenturyLink, GigFire, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle Ln SE

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