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

Wright County property record for 420 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,694 sqft · built 1996
Lot Size	0.404 acres (17,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$448,000 (Apr 2025)
Tax Bill	$3,108 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-001090`

Property Details

APN / Parcel Number

Primary APN	`114-067-001090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,694 sqft Living Area
1st Floor Area	1,926 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,597 sqft (0.404 acres)
Garage Type	Attached
Garage Area	1,192 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	420 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-009 BLOCK-001 -001
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	1
Legal Lot Number	9
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	2 Individual Names on Record
Mailing Address	17046 56TH ST NE, ROGERS, MN 55374-5306
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 13, 2022	Limited Warranty Deed, Transfer STEWART TITLE GURANTY, STEWART TITLE GUARANTY
Jul 21, 2021	Warranty Deed, Transfer REALTECH TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2025 · Amount on Record
Deed Sale	Apr 15, 2025 · Amount on Record
Prior Sale	Mar 28, 2025 · Amount on Record
Deed Document Number	20251574313
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	420 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	STEWART TITLE GUARANTY COMMERCIAL, STEWART TTL GUARANTY COM SVC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1495452
Date	Jan 5, 2022
Instrument	A1495452

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 13, 2022
Property Address	420 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001511953
Instrument Date	Dec 22, 2021
Instrument	1511953
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995
Investor	Possibly a Property Investor

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 21, 2021
Property Address	420 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001477501
Instrument Date	Jul 7, 2021
Instrument	1477501
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	REALTECH TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,527.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995
Investor	Possibly a Property Investor

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	$3,108.00 (-49.28%)	$571,800 (+1.51%) Land $105,000 Building $466,800	$571,800 (+1.51%) Land $105,000 Building $466,800
2025		$563,300 (-1.62%) Land $107,000 Building $456,300	$563,300 (-1.62%) Land $107,000 Building $456,300
2023		$572,600 Land $105,900 Building $466,700	$572,600 Land $105,900 Building $466,700
2022	$6,128.00

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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