320 5th St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 320 5th St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1996
Lot Size	0.301 acres (13,145 sqft)
Owner	2 Individual Names on File
Last Sale	$221,900 (Oct 2004)
Tax Bill	$3,690 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`114-067-005030`

Property Details

APN / Parcel Number

Primary APN	`114-067-005030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,145 sqft (0.301 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	21 sqft
Patio Area	299 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 5TH ST NW
City	SAINT MICHAEL
State	MN
Zip	55376-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 CREEK RIDGE 2ND ADDN LOT-003 BLOCK-005 -005
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	5
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2017
Census Tract	100803

Owner

320 5th St NW is owned and occupied by two individuals who bought it in October 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	320 5TH ST NW, SAINT MICHAEL, MN 55376-1027
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
Oct 6, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 24, 2020	Loan Modification, Mortgage · Conventional Mortgage NEW RESID'L MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2004 · Amount on File
Deed Sale	Oct 11, 2004 · Amount on File
Prior Sale	May 3, 2000 · Amount on File
Deed Document Number	200492174
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	320 5TH ST NW, SAINT MICHAEL, MN 55376-1027
Transaction Type	Mortgage
Record Updated	Nov 4, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1518447
Date	Oct 6, 2022
Instrument	A1518447

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WRIGHT MN
Property Address	320 5TH ST NW, SAINT MICHAEL, MN 55376-1027
Document Number	0001419449
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 5TH ST NW ST MICHAEL MN 553761027, ST MICHAEL, MN 55376-1027

Mortgage

Document Number	0001419449
Date	Feb 27, 2020
Instrument	1419449

Lender

Name	NEW RESID'L MTG LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Feb 26, 2060

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

The 2026 property tax bill for 320 5th St NW was $3,690.

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	$3,690.00	$334,600 (+2.36%) Land $105,000 Building $229,600	$334,600 (+2.36%) Land $105,000 Building $229,600
2025		$326,900 Land $107,000 Building $219,900	$326,900 Land $107,000 Building $219,900
2023	$3,410.00 (+5.05%)	$323,600 Land $105,900 Building $217,700	$323,600 Land $105,900 Building $217,700
2022	$3,246.00

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

Flood

FEMA maps place 320 5th 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 320 5th 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.

Nearby Properties on 5th St NW

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures