400 Elder Cir NW, Saint Michael, MN 55376 Property Records

Wright County property record for 400 Elder Cir NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,065 sqft · built 1997
Lot Size	0.263 acres (11,465 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Apr 2026)
Tax Bill	$4,378 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-001130`

Property Details

APN / Parcel Number

Primary APN	`114-067-001130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,065 sqft Living Area
1st Floor Area	1,065 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2001
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,465 sqft (0.263 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 ELDER CIR NW
City	SAINT MICHAEL
State	MN
Zip	55376-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 CREEK RIDGE 2ND ADDN LOT-013 BLOCK-001 -001
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	1
Legal Lot Number	13
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2002
Census Tract	100803

Owner

Source: Wright County records, as of September 9, 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	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL
Dec 3, 2025	Intrafamily Transfer, Transfer LENDSERV NATIONAL TITLE, LENDSERV NATIONAL TITLE INC
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 6, 2019	Deed of Trust, Mortgage TRUSTONE FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Dec 13, 2005 · Amount on Record
Deed Document Number	20261600974
Prior Transfer Date	Nov 13, 2025
Prior Transfer Doc	00A1591020
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 23, 2026
Property Address	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046
Document Number	0001600974
Instrument Date	Apr 17, 2026
Instrument	20261600974
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	TITLE SMART INC, TITLE SMART

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$126,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046

Mortgage

Document Number	0001600975,
Date	Apr 23, 2026
Instrument	20261600975

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Dec 3, 2025
Property Address	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046
Document Number	00A1591020
Instrument Date	Nov 13, 2025
Instrument	A1591020
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	LENDSERV NATIONAL TITLE, LENDSERV NATIONAL TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001471397
Date	May 25, 2021
Instrument	1471397

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	400 ELDER CIR NW, SAINT MICHAEL, MN 55376-1046
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001410202
Date	Nov 6, 2019
Instrument	1410202

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2034

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	$4,378.00 (+15.7%)	$368,400 (+3.16%) Land $113,000 Building $255,400	$368,400 (+3.16%) Land $113,000 Building $255,400
2025	$3,784.00 (-0.26%)	$357,100 (+0.51%) Land $115,000 Building $242,100	$357,100 (+0.51%) Land $115,000 Building $242,100
2023	$3,794.00 (+5.1%)	$355,300 Land $113,400 Building $241,900	$355,300 Land $113,400 Building $241,900
2022	$3,610.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

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