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

Wright County property record for 425 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,634 sqft · built 1997
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,196 (Jun 1997)
Tax Bill	$3,930 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-067-006240`

Property Details

APN / Parcel Number

Primary APN	`114-067-006240`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,634 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2001
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,587 sqft (0.266 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	425 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-024 BLOCK-006 -006
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	6
Legal Lot Number	24
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2012
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	425 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Aug 29, 2019	Deed of Trust, Mortgage · FHA Mortgage NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 1997 · Amount on Record
Deed Sale	Jun 30, 1997 · Amount on Record
Prior Sale	Mar 11, 1997 · Amount on Record
Deed Document Number	199757605
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	425 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	0001452084
Date	Dec 16, 2020
Instrument	1452084

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Sep 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	425 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MIDLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001404167
Date	Aug 29, 2019
Instrument	1404167

Lender

Name	NATIONAL BANK
Type	Bank
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$3,930.00 (+6.97%)	$349,300 (+1.04%) Land $105,000 Building $244,300	$349,300 (+1.04%) Land $105,000 Building $244,300
2025		$345,700 (+0.96%) Land $107,000 Building $238,700	$345,700 (+0.96%) Land $107,000 Building $238,700
2023	$3,674.00 (+5.64%)	$342,400 Land $105,900 Building $236,500	$342,400 Land $105,900 Building $236,500
2022	$3,478.00

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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