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

Wright County property record for 416 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,316 sqft · built 1997
Lot Size	0.426 acres (18,587 sqft)
Owner	Individual Name on Record
Last Sale	$245,500 (May 2004)
Tax Bill	$4,386 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Jul 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-001080`

Property Details

APN / Parcel Number

Primary APN	`114-067-001080`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	18,587 sqft (0.426 acres)
Garage Type	Attached
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	416 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-008 BLOCK-001 -001
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	1
Legal Lot Number	8
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2002
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	Individual Name on Record
Mailing Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IDEAL CU
Jul 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IDEAL CU
Dec 14, 2018	Deed of Trust, Mortgage · Line of Credit IDEAL CU
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage IDEAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2004 · Amount on Record
Deed Sale	May 7, 2004 · Amount on Record
Prior Sale	Jun 18, 2002 · Amount on Record
Deed Document Number	200489425
Transfer Doc	00A1573494
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	00A1549858
Date	Apr 2, 2024
Instrument	A1549858

Lender

Name	IDEAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55109

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 2, 2034

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	00A1512506
Date	Jul 21, 2022
Instrument	A1512506

Lender

Name	IDEAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55109

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Mar 7, 2037

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001386694
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	416 ELDER AVE NW ST MICHAEL MN 553761021, ST MICHAEL, MN 55376-1021

Mortgage

Document Number	0001386694
Date	Dec 19, 2018
Instrument	1386694

Lender

Name	IDEAL CU
Type	Credit Union
Address	NORTH ST PAUL, MN 55109

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 18, 2028

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	416 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001353805
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	IDEAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	416 ELDER AVE NW ST MICHAEL MN 553761021, ST MICHAEL, MN 55376-1021

Mortgage

Document Number	0001353805
Date	Sep 21, 2017
Instrument	1353805

Lender

Name	IDEAL CU
Type	Credit Union
Address	ST PAUL, MN 55109

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 20, 2032

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	$4,386.00 (+10.87%)	$389,200 (+1.94%) Land $105,000 Building $284,200	$389,200 (+1.94%) Land $105,000 Building $284,200
2025		$381,800 (+2.11%) Land $107,000 Building $274,800	$381,800 (+2.11%) Land $107,000 Building $274,800
2023	$3,956.00 (+6.34%)	$373,900 Land $105,900 Building $268,000	$373,900 Land $105,900 Building $268,000
2022	$3,720.00

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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