Wright County property record for 409 Overlook Cir SE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,708 sqft · built 2020 |
| Lot Size | 0.413 acres (18,013 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $557,878 (Jan 2021) |
| Tax Bill | $7,286 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jan 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-342-001010 |
| Primary APN | 114-342-001010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,708 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 18,013 sqft (0.413 acres) |
| Garage Type | Attached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 409 OVERLOOK CIR SE |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-2212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-13 TWP-120 RANGE-024 CREEKSIDE ESTATES LOT-001 BLOCK-001 1 |
| Legal Range | 024 |
| Legal Township | 120 |
| Legal Section | 13 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 100805 |
Source: Wright County assessment roll, 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 File |
|---|---|
| Mailing Address | 409 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit DEERWOOD BANK |
| Jan 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 28, 2020 | Warranty Deed, Construction Loan · Construction Mortgage AMERICAN LAND & CAPITAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2021 · Amount on Record |
| Deed Sale | Jan 19, 2021 · Amount on Record |
| Prior Sale | Jul 28, 2020 · Amount on Record |
| Deed Document Number | 202134784 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 409 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000T38361 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | T38361 |
| Name | DEERWOOD BANK |
|---|---|
| Type | Bank |
| Address | BRAINERD, MN 56401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jan 19, 2021 |
| Property Address | 409 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212 |
| Document Number | 0000034784 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 34784 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | EXECUTIVE TITLE NORTHWEST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,841.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 409 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212 |
| Document Number | 0000034785 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 34785 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 28, 2020 |
| Property Address | 409 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212 |
| Document Number | 0000034261 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 34261 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 16, 2022 |
| Title Company | EXECUTIVE TITLE NORTHWEST |
| Amount | Amount Recorded |
|---|---|
| Tax | $429.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20401 COUNTY ROAD 81, ROGERS, MN 55374-8945 |
| Investor | Possibly a Property Investor |
| Document Number | 0000034262 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 34262 |
| Name | AMERICAN LAND & CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wright County |
| Municipality | St. Michael City |
| Unified School District | St. Michael-Albertville School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,286.00 (+4.38%) | $621,500 (+4.1%) Land $172,000 Building $449,500 | $621,500 (+4.1%) Land $172,000 Building $449,500 |
| 2025 | $597,000 (-8.88%) Land $175,000 Building $422,000 | $597,000 (-8.88%) Land $175,000 Building $422,000 | |
| 2023 | $6,980.00 (+38.88%) | $655,200 Land $173,900 Building $481,300 | $655,200 Land $173,900 Building $481,300 |
| 2022 | $5,026.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
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: LTD Broadband, Lumen Technologies, T-Mobile USA, Verizon.
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