3575 Kady Ave NE, Saint Michael, MN 55376 Property Records

Wright County property record for 3575 Kady Ave NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,556 sqft · built 2018
Lot Size	0.217 acres (9,467 sqft)
Owner	2 Individual Names on Record
Last Sale	$377,630 (Aug 2018)
Tax Bill	$5,622 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Jun 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-338-002040`

Property Details

APN / Parcel Number

Primary APN	`114-338-002040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,556 sqft Living Area
1st Floor Area	1,488 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,467 sqft (0.217 acres)
Garage Type	Attached
Garage Area	1,060 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3575 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-004 BLOCK-002 CK-002
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	MORGENDAL 2ND ADDITION
Legal Block	2
Legal Lot Number	4
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	3575 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Apr 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 21, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Aug 28, 2018	Warranty Deed, Subdivision Related Transfer DHI TITLE/MINNESOTA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2018 · Amount on Record
Deed Sale	Aug 28, 2018 · Amount on Record
Deed Document Number	20181378350
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	3575 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1584386
Date	Aug 29, 2025
Instrument	A1584386

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	3575 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1533452
Date	Jun 30, 2023
Instrument	A1533452

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 21, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	3575 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EXECUTIVE TITLE TAYLOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001394031
Date	Apr 23, 2019
Instrument	1394031

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	3575 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Document Number	0001435627
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	EXECUTIVE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3575 KADY AVE NE ST MICHAEL MN 553763090, ST MICHAEL, MN 55376-3090

Mortgage

Document Number	0001435627
Date	Aug 4, 2020
Instrument	1435627

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 28, 2018
Property Address	3575 KADY AVE NE, SAINT MICHAEL, MN 55376-3090
Document Number	0001378350
Instrument Date	Aug 24, 2018
Instrument	1378350
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 19, 2018
Title Company	DHI TITLE/MINNESOTA INC

Transaction

Amount	Amount Recorded
Tax	$1,246.18
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	3575 KADY AVE NE ST MICHAEL MN 553763090, ST MICHAEL, MN 55376-3090

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	$5,622.00 (+2.59%)	$482,300 (+0.67%) Land $75,000 Building $407,300	$482,300 (+0.67%) Land $75,000 Building $407,300
2025	$5,480.00 (-2.63%)	$479,100 (-10.57%) Land $77,000 Building $402,100	$479,100 (-10.57%) Land $77,000 Building $402,100
2023	$5,628.00 (+4.69%)	$535,700 Land $90,800 Building $444,900	$535,700 Land $90,800 Building $444,900
2022	$5,376.00

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	Not rated no burnable land within 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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