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

Wright County property record for 404 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	1,424 sqft · built 1994
Lot Size	0.391 acres (17,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (May 2021)
Tax Bill	$4,876 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-001020`

Property Details

APN / Parcel Number

Primary APN	`114-067-001020`

Interior

Stories	4 Stories
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	17,039 sqft (0.391 acres)
Garage Area	698 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Porch
Porch Area	140 sqft
Deck Area	40 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 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-002 BLOCK-001 -001
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	1
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	404 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Warranty Deed, Transfer · Conventional Mortgage ENVISION CAPITAL INC
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FNDG
Mar 27, 2017	Deed of Trust, Mortgage · Conventional with PMI BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Deed Document Number	20211470498
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 17, 2021
Property Address	404 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001470498
Instrument Date	May 14, 2021
Instrument	1470498
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	EDGEWATER TITLE GROUP LLC, EDGEWATER TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
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	404 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	0001470499
Date	May 17, 2021
Instrument	1470499

Lender

Name	ENVISION CAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	404 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001436515
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	LENDSERV NATIONAL TITLE AND INFORMA, LENDSERV NAT'L TITLE & INFORMA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 ELDER AVE NW ST MICHAEL MN 553761021, ST MICHAEL, MN 55376-1021

Mortgage

Document Number	0001436515
Date	Aug 12, 2020
Instrument	1436515

Lender

Name	ROYAL PACIFIC FNDG
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	404 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001340588
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	LENDSERV NATIONAL TITLE, LENDSERV NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 ELDER AVE NW ST MICHAEL MN 553761021, ST MICHAEL, MN 55376-1021

Mortgage

Document Number	0001340588
Date	Apr 6, 2017
Instrument	1340588

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2047

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	$4,876.00 (+16.04%)	$434,800 (+3.43%) Land $105,000 Building $329,800	$434,800 (+3.43%) Land $105,000 Building $329,800
2025		$420,400 (+3.37%) Land $107,000 Building $313,400	$420,400 (+3.37%) Land $107,000 Building $313,400
2023	$4,202.00 (+4.01%)	$406,700 Land $105,900 Building $300,800	$406,700 Land $105,900 Building $300,800
2022	$4,040.00

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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