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

Wright County property record for 409 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,167 sqft · built 1995
Lot Size	0.269 acres (11,753 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Dec 2018)
Tax Bill	$4,042 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-067-006280`

Property Details

APN / Parcel Number

Primary APN	`114-067-006280`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	1,167 sqft Living Area
1st Floor Area	1,167 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,753 sqft (0.269 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	234 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 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-028 BLOCK-006 -006
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	6
Legal Lot Number	28
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2012
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	409 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Dec 31, 2018	Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	Jun 3, 2011 · Amount on Record
Deed Document Number	20181387334
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	409 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	PILLAR TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001464182
Date	Mar 29, 2021
Instrument	1464182

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	MINNEAPOLIS, MN 55435

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 31, 2018
Property Address	409 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001387334
Instrument Date	Dec 28, 2018
Instrument	1387334
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.60
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	409 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	0001387335
Date	Dec 31, 2018
Instrument	1387335

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$4,042.00 (+8.48%)	$365,700 (+3.13%) Land $105,000 Building $260,700	$365,700 (+3.13%) Land $105,000 Building $260,700
2025		$354,600 (+0.77%) Land $107,000 Building $247,600	$354,600 (+0.77%) Land $107,000 Building $247,600
2023	$3,726.00 (+6.82%)	$351,900 Land $105,900 Building $246,000	$351,900 Land $105,900 Building $246,000
2022	$3,488.00

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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