404 Main St S, Saint Michael, MN 55376 Property Records

Wright County property record for 404 Main St S, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1961
Lot Size	0.257 acres (11,197 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Oct 2018)
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-500-132304`

Property Details

APN / Parcel Number

Primary APN	`114-500-132304`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,197 sqft (0.257 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Baseboard

Location & Zoning

Street Address	404 MAIN ST S
City	SAINT MICHAEL
State	MN
Zip	55376-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-120 RANGE-024 UNPLATTED LAND ST MICHAEL1 TH PRT OF NW1/4 DES COM W1/4 COR OF SEC 13 TH S87D47E ALG 1/4LN 33FT TO
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	UNPLATTED LAND ST MICHAEL1
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2002
Census Tract	100805

Owner

Source: Wright County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	404 MAIN ST S, SAINT MICHAEL, MN 55376-9757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Prior Sale	Jan 30, 2014 · Amount on Record
Deed Document Number	20181382751
Record Updated	Sep 20, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 25, 2018
Property Address	404 MAIN ST S, SAINT MICHAEL, MN 55376-9757
Document Number	0001382751
Instrument Date	Oct 10, 2018
Instrument	1382751
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 MAIN ST S, SAINT MICHAEL, MN 55376-9757

Mortgage

Document Number	0001382753
Date	Oct 25, 2018
Instrument	1382753

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Mortgage

Document Number	0001382752
Date	Oct 25, 2018
Instrument	1382752

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$221,900 (-4.11%) Land $75,000 Building $146,900	$221,900 (-4.11%) Land $75,000 Building $146,900
2025	$2,382.00 (+5.31%)
2023	$2,262.00 (+18.68%)	$231,400 Land $75,600 Building $155,800	$231,400 Land $75,600 Building $155,800
2022	$1,906.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 284 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

May also be available: CenturyLink, GigFire, T-Mobile, Verizon.

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