413 9th St, Howard Lake, MN 55349 Property Records

Wright County property record for 413 9th St, Howard Lake, MN 55349

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,744 sqft · built 1913
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 1999)
Tax Bill	$4,528 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`109-010-035020`

Property Details

APN / Parcel Number

Primary APN	`109-010-035020`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,744 sqft Living Area
1st Floor Area	1,462 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1980
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	30,056 sqft (0.69 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	292 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	413 9TH ST
City	HOWARD LAKE
State	MN
Zip	55349-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-03 TWP-118 RANGE-027 ORIGINAL PLAT HOWARD LK LOT-002 LT2 EXC W40FT ALSO LTS3&4 ALSO LT5 EXC E1/2&EXC S20FT OF W1/2 OF LT
Legal Range	027
Legal Township	118
Legal Section	03
Legal Subdivision	ORIGINAL PLAT HOWARD LK
Legal Block	B,B
Legal Lot Number	2,5
Jurisdiction	WRIGHT MN
Township / Civil Division	HOWARD LAKE
Census Block Group	2
Census Block	2028
Census Tract	101200

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	Individual Name on Record
Mailing Address	413 9TH ST, HOWARD LAKE, MN 55349-3213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL CU
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL CU
Sep 8, 2021	Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 1999 · Amount on Record
Deed Sale	Sep 2, 1999 · Amount on Record
Deed Document Number	199965619
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	413 9TH ST, HOWARD LAKE, MN 55349-3213
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 9TH ST, HOWARD LAKE, MN 55349-3213

Mortgage

Document Number	00A1588502
Date	Oct 28, 2025
Instrument	A1588502

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 20, 2045

Interest

Rate Type	Adjustable Rate
Rate	6.24%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	4.24%
Max Rate At Change	8.24%
Index	Prime Rate
Max Rate	12.2%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	413 9TH ST, HOWARD LAKE, MN 55349-3213
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 9TH ST, HOWARD LAKE, MN 55349-3213

Mortgage

Document Number	0001482135
Date	Aug 30, 2021
Instrument	1482135

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2031

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	413 9TH ST, HOWARD LAKE, MN 55349-3213
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001483076
Date	Sep 8, 2021
Instrument	1483076

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 7, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Wright County
Municipality	Howard Lake City
Unified School District	Howard Lake-Waverly-Winsted (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,528.00 (+9.21%)	$344,700 (-0.06%) Land $52,000 Building $292,700	$344,700 (-0.06%) Land $52,000 Building $292,700
2025		$344,900 (-1.26%) Land $62,500 Building $282,400	$344,900 (-1.26%) Land $62,500 Building $282,400
2023	$4,146.00 (+10.91%)	$349,300 Land $70,000 Building $279,300	$349,300 Land $70,000 Building $279,300
2022	$3,738.00

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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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	Howard Lake serves 2,180 people · EPA ID MN1860010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	15 ppb (2022–2024) action level 15 ppb

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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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