3879 Melby Ave NE, Saint Michael, MN 55376 Property Records

Wright County property record for 3879 Melby Ave NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,502 sqft · built 2020
Lot Size	0.292 acres (12,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,000 (Jan 2021)
Tax Bill	$5,724 (2026)
Deeds & Mortgages	Nov 2023 Sale & Construction Loan Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-335-003140`

Property Details

APN / Parcel Number

Primary APN	`114-335-003140`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,502 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,721 sqft (0.292 acres)
Garage Type	Attached
Garage Area	674 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3879 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 LOT-014 BLOCK-003
Legal Range	023
Legal Township	120
Legal Section	18
Legal Subdivision	RIVERS EDGE
Legal Block	3
Legal Lot Number	14
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4009
Census Tract	100805

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	3879 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Warranty Deed, Construction Loan · Construction Mortgage LAKE AREA MORTGAGE
Jan 7, 2021	Limited Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Deed Document Number	20211454329
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 3, 2023
Property Address	3879 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092
Document Number	00A1541845
Instrument Date	Oct 23, 2023
Instrument	A1541845
Transaction Type	Construction Loan
Record Updated	Mar 6, 2024
Title Company	CUSTOM HOME BUILDERS TITLE, CUSTOM HOME BUILDERS TTL LLC

Transaction

Amount	Amount Recorded
Tax	$308.55
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	1978 OAK RIDGE ST, HANOVER, MN 55341-4157

Mortgage

Document Number	00A1541846
Date	Nov 3, 2023
Instrument	A1541846

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Sep 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Dec 1, 2033
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	11.8%
Max Rate	11.8%

January 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jan 7, 2021
Property Address	3879 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092
Document Number	0001454329
Instrument Date	Nov 30, 2020
Instrument	1454329
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	TITLE SPECIALISTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,343.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16305 36TH AVE N # N600, 16305, PLYMOUTH, MN 55446-2884

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3879 MELBY AVE NE, SAINT MICHAEL, MN 55376-3092

Mortgage

Document Number	0001454331
Date	Jan 7, 2021
Instrument	1454331

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

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	$5,724.00 (+10.37%)	$500,700 (+2.79%) Land $120,000 Building $380,700	$500,700 (+2.79%) Land $120,000 Building $380,700
2025		$487,100 (-3.87%) Land $122,000 Building $365,100	$487,100 (-3.87%) Land $122,000 Building $365,100
2023	$5,186.00 (+2.21%)	$506,700 Land $121,000 Building $385,700	$506,700 Land $121,000 Building $385,700
2022	$5,074.00

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
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

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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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