428 3rd St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 428 3rd St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,132 sqft · built 1991
Lot Size	0.229 acres (9,997 sqft)
Owner	Individual Name on Record
Last Sale	$307,000 (Apr 2021)
Tax Bill	$3,734 (2026)
Deeds & Mortgages	Jan 2020 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-049-002020`

Property Details

APN / Parcel Number

Primary APN	`114-049-002020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	4 Stories
Building Area	1,132 sqft Living Area
1st Floor Area	1,132 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,997 sqft (0.229 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	232 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	428 3RD ST NW
City	SAINT MICHAEL
State	MN
Zip	55376-9755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 ST MICHAEL HEIGHTS 3RD ADDN LOT-002 BLOCK-002 2 BLOCK-002
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	MICHAEL HEIGHTS
Legal Block	2
Legal Lot Number	2
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2014
Census Tract	100803

Owner

Source: Wright County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	428 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Jul 6, 2012 · Amount on Record
Deed Document Number	20211468626
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	428 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001415984
Date	Jan 13, 2020
Instrument	1415984

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 30, 2021
Property Address	428 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Document Number	0001468626
Instrument Date	Apr 30, 2021
Instrument	1468626
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ATD TITLE LLC, AT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,013.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 3RD ST NW, SAINT MICHAEL, MN 55376-9755

Mortgage

Document Number	0001468627
Date	Apr 30, 2021
Instrument	1468627

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$3,734.00 (+12.47%)	$325,500 (+2.91%) Land $105,000 Building $220,500	$325,500 (+2.91%) Land $105,000 Building $220,500
2025		$316,300 (+5.05%) Land $107,000 Building $209,300	$316,300 (+5.05%) Land $107,000 Building $209,300
2023	$3,320.00 (+7.86%)	$301,100 Land $105,900 Building $195,200	$301,100 Land $105,900 Building $195,200
2022	$3,078.00

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 99.1% of the US · lower than 96% 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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