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

Wright County property record for 418 Overlook Cir SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,751 sqft · built 2021
Lot Size	0.376 acres (16,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,900 (May 2022)
Tax Bill	$6,782 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-001040`

Property Details

APN / Parcel Number

Primary APN	`114-342-001040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,751 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Hip
Lot Area	16,389 sqft (0.376 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 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-004 BLOCK-001 1
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	1
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4015
Census Tract	100805

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	418 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jul 21, 2021	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	20221416789
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	418 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212

Mortgage

Document Number	0000T38708
Date	Mar 9, 2026
Instrument	T38708

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 3, 2022
Property Address	418 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Document Number	0000T36117
Instrument Date	May 26, 2022
Instrument	T36117
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY QUALIA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.67
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	418 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212

Mortgage

Document Number	0000T36118
Date	Jun 3, 2022
Instrument	T36118

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

July 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 21, 2021
Property Address	418 OVERLOOK CIR SE, SAINT MICHAEL, MN 55376-2212
Document Number	0000035365
Instrument Date	Jul 21, 2021
Instrument	35365
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TITLE NORTHWEST LLC, EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Tax	$478.50
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 STE 100, 100, ROGERS, MN 55374-4660
Investor	Possibly a Property Investor

Mortgage

Document Number	0000035368
Date	Jul 21, 2021
Instrument	35368

Lender

Name	AMERICAN LAND & CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000035366
Date	Jul 21, 2021
Instrument	35366

Lender

Name	AMERICAN LAND & CAPITAL LLC
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Commercial 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	$6,782.00 (+40.71%)	$730,500 (+6.02%) Land $172,000 Building $558,500	$730,500 (+6.02%) Land $172,000 Building $558,500
2025		$689,000 (+1.89%) Land $175,000 Building $514,000	$689,000 (+1.89%) Land $175,000 Building $514,000
2023	$4,820.00 (+194.62%)	$676,200 Land $173,900 Building $502,300	$676,200 Land $173,900 Building $502,300
2022	$1,636.00

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
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.

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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