412 Overlook Cir SE, Saint Michael, MN 55376 Property Records

Wright County property record for 412 Overlook Cir SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,734 sqft · built 2020
Lot Size	0.314 acres (13,718 sqft)
Owner	Individual Name on File
Last Sale	$569,900 (Nov 2020)
Tax Bill	$7,858 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Feb 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`114-342-001050`

Property Details

APN / Parcel Number

Primary APN	`114-342-001050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,734 sqft Living Area
Basement Area	955 sqft
Finished Basement	955 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,718 sqft (0.314 acres)
Garage Type	Attached
Garage Area	698 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 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-005 BLOCK-001 1
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	1
Legal Lot Number	5
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4015
Census Tract	100805

Owner

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	Individual Name on File
Mailing Address	412 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Feb 11, 2020	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Feb 11, 2020 · Amount on Record
Deed Document Number	202034591
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 16, 2020
Property Address	412 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Document Number	0000034591
Instrument Date	Nov 12, 2020
Instrument	34591
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212

Mortgage

Document Number	0000034592
Date	Nov 16, 2020
Instrument	34592

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Feb 11, 2020
Property Address	412 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Document Number	0000033879
Instrument Date	Feb 11, 2020
Instrument	33879
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TITLE NW

Transaction

Amount	Amount Recorded
Tax	$428.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20401 COUNTY ROAD 81, ROGERS, MN 55374-8945
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033880
Date	Feb 11, 2020
Instrument	33880

Lender

Name	AMERICAN LAND & CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$7,858.00 (+3.75%)	$662,500 (+3.99%) Land $172,000 Building $490,500	$662,500 (+3.99%) Land $172,000 Building $490,500
2025		$637,100 (-8.19%) Land $175,000 Building $462,100	$637,100 (-8.19%) Land $175,000 Building $462,100
2023	$7,574.00 (+1.86%)	$693,900 Land $173,900 Building $520,000	$693,900 Land $173,900 Building $520,000
2022	$7,436.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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.

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	0.01% 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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