313 4th St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 313 4th St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,207 sqft · built 1994
Lot Size	0.298 acres (12,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,900 (Jul 2019)
Tax Bill	$4,292 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-004010`

Property Details

APN / Parcel Number

Primary APN	`114-067-004010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,207 sqft Living Area
1st Floor Area	1,207 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2003
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,999 sqft (0.298 acres)
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	37 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 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-001 BLOCK-004 -004
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	4
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2019
Census Tract	100803

Owner

Source: Wright County records, 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 Record
Mailing Address	313 4TH ST NW, SAINT MICHAEL, MN 55376-1025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 22, 2020	Deed of Trust, Mortgage · Line of Credit AMERICAN INVESTORS BANK & MORTGAGE
Jul 15, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Feb 9, 2015 · Amount on Record
Deed Document Number	20191400202
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	313 4TH ST NW, SAINT MICHAEL, MN 55376-1025
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	TITLE SMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001483508
Date	Sep 13, 2021
Instrument	1483508

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	313 4TH ST NW, SAINT MICHAEL, MN 55376-1025
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001424308
Date	Apr 22, 2020
Instrument	1424308

Lender

Name	AMERICAN INVESTORS BANK & MORTGAGE
Type	Bank
Address	EDEN PRAIRIE, MN 55344

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 15, 2019
Property Address	313 4TH ST NW, SAINT MICHAEL, MN 55376-1025
Document Number	0001400202
Instrument Date	Jun 28, 2019
Instrument	1400202
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.17
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	313 4TH ST NW, SAINT MICHAEL, MN 55376-1025

Mortgage

Document Number	0001400203
Date	Jul 15, 2019
Instrument	1400203

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTA
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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	$4,292.00 (+15.56%)	$381,200 (+1.82%) Land $105,000 Building $276,200	$381,200 (+1.82%) Land $105,000 Building $276,200
2025		$374,400 (+5.02%) Land $107,000 Building $267,400	$374,400 (+5.02%) Land $107,000 Building $267,400
2023	$3,714.00 (+4.62%)	$356,500 Land $105,900 Building $250,600	$356,500 Land $105,900 Building $250,600
2022	$3,550.00

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

Flood

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

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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