401 Elder Ave NW, Saint Michael, MN 55376 Property Records

Wright County property record for 401 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,046 sqft · built 1994
Lot Size	0.353 acres (15,408 sqft)
Owner	Individual Name on Record
Last Sale	$481,000 (Mar 2025)
Tax Bill	$5,130 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-067-001070`

Property Details

APN / Parcel Number

Primary APN	`114-067-001070`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,046 sqft Living Area
1st Floor Area	1,126 sqft
Basement Area	627 sqft
Finished Basement	627 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	15,408 sqft (0.353 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Deck Area	656 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 ELDER AVE NW
City	SAINT MICHAEL
State	MN
Zip	55376-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 CREEK RIDGE 2ND ADDN LOT-007 BLOCK-001 -001
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	1
Legal Lot Number	7
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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	401 ELDER CT NW, SAINT MICHAEL, MN 55376-1022
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALERUS FINANCIAL NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2025 · Amount on Record
Deed Sale	Mar 5, 2025 · Amount on Record
Deed Document Number	20251571254
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	401 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1541764
Date	Nov 2, 2023
Instrument	A1541764

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	401 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WATERMARK TITLE AGCY QUALIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001448711
Date	Nov 19, 2020
Instrument	1448711

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 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	$5,130.00 (+7.28%)	$449,400 (+2.07%) Land $113,000 Building $336,400	$449,400 (+2.07%) Land $113,000 Building $336,400
2025		$440,300 (-1.76%) Land $115,000 Building $325,300	$440,300 (-1.76%) Land $115,000 Building $325,300
2023	$4,782.00 (+6.69%)	$448,200 Land $113,400 Building $334,800	$448,200 Land $113,400 Building $334,800
2022	$4,482.00

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

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

May also be available: CenturyLink, Verizon.

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