Wright County property record for 3851 Melby Ave NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,262 sqft · built 2019 |
| Lot Size | 0.239 acres (10,441 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $394,990 (Jul 2019) |
| Tax Bill | $5,296 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-339-005120 |
| Primary APN | 114-339-005120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,262 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 10,441 sqft (0.239 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3851 MELBY AVE NE |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-3092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-18 TWP-120 RANGE-023 RIVERS EDGE 2ND ADDITION LOT-012 BLOCK-005 LOCK-005 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 18 |
| Legal Subdivision | RIVERS EDGE 2ND ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 12 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 100805 |
3851 Melby Ave NE is owned and occupied by two individuals who bought it in July 2019.
Source: Wright County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3851 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092 |
| 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.
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA |
| Jul 24, 2019 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ALERUS FINANCIAL NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2019 · Amount on File |
| Deed Sale | Jul 24, 2019 · Amount on File |
| Deed Document Number | 20191401081 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 3851 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Title Company | PARTNERS TITLE-EDINA, PARTNERS TITLE RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0001461331 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 1461331 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 24, 2019 |
| Property Address | 3851 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092 |
| Document Number | 0001401081 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 1401081 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,303.47 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16305 36TH AVE N # N600, 16305, PLYMOUTH, MN 55446-2884 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3851 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092 |
| Document Number | 0001401083 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 1401083 |
| Name | ALERUS FINANCIAL NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2026 property tax bill for 3851 Melby Ave NE was $5,296.
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wright County |
| Municipality | St. Michael City |
| Unified School District | St. Michael-Albertville School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,296.00 | $471,200 (+3.93%) Land $120,000 Building $351,200 | $471,200 (+3.93%) Land $120,000 Building $351,200 |
| 2025 | $453,400 Land $122,000 Building $331,400 | $453,400 Land $122,000 Building $331,400 | |
| 2023 | $4,868.00 (-0.41%) | $471,500 Land $121,000 Building $350,500 | $471,500 Land $121,000 Building $350,500 |
| 2022 | $4,888.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3851 Melby Ave NE 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 risk around 3851 Melby Ave NE 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 43 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 / 1,000 |
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