3516 Kady Ave NE, Saint Michael, MN 55376 Property Records

Wright County property record for 3516 Kady Ave NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,295 sqft · built 2017
Lot Size	0.369 acres (16,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jul 2022)
Tax Bill	$5,360 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-338-003120`

Property Details

APN / Parcel Number

Primary APN	`114-338-003120`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,295 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	729 sqft
Finished Basement	729 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	16,104 sqft (0.369 acres)
Garage Type	Attached
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3516 KADY AVE NE
City	SAINT MICHAEL
State	MN
Zip	55376-3090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-14 TWP-120 RANGE-024 MORGENDAL 2ND ADDITION LOT-012 BLOCK-003 CK-003
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	MORGENDAL 2ND ADDITION
Legal Block	3
Legal Lot Number	12
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1031
Census Tract	100804

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	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 17, 2022	Warranty Deed, Transfer · FHA Mortgage GOLDWATER BANK NA
Jul 13, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 7, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TOM & JACKEY HAYES REV TR (RT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	20221452610
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090

Mortgage

Document Number	00A1550472
Date	Apr 12, 2024
Instrument	A1550472

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	RECTORTOWN, VA 20140

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 17, 2022
Property Address	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Document Number	00A1514829
Instrument Date	Jul 18, 2022
Instrument	A1514829
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,584.00
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	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090

Mortgage

Document Number	00A1514830
Date	Aug 17, 2022
Instrument	A1514830

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090

Mortgage

Document Number	0001476640
Date	Jul 13, 2021
Instrument	1476640

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 7, 2018
Property Address	3516 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Document Number	0001369547
Instrument Date	May 4, 2018
Instrument	1369547
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 1, 2018
Title Company	DHI TITLE/MINNESOTA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,286.18
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3516 KADY AVE NE ST MICHAEL MN 553763090, ST MICHAEL, MN 55376-3090

Mortgage

Document Number	1369548
Date	May 7, 2018
Instrument	1369548

Lender

Name	TOM & JACKEY HAYES REV TR (RT)
Address	14000 45TH AVE N, PLYMOUTH, MN 55446-2747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

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	$5,360.00 (-6.26%)	$455,900 (-0.57%) Land $75,000 Building $380,900	$455,900 (-0.57%) Land $75,000 Building $380,900
2025		$458,500 (-12.47%) Land $77,000 Building $381,500	$458,500 (-12.47%) Land $77,000 Building $381,500
2023	$5,718.00 (+8.46%)	$523,800 Land $90,800 Building $433,000	$523,800 Land $90,800 Building $433,000
2022	$5,272.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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