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

Wright County property record for 429 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,624 sqft · built 1997
Lot Size	0.271 acres (11,831 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,000 (Dec 2020)
Tax Bill	$3,896 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-067-006230`

Property Details

APN / Parcel Number

Primary APN	`114-067-006230`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,624 sqft Living Area
1st Floor Area	1,052 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,831 sqft (0.271 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	429 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-023 BLOCK-006 -006
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	6
Legal Lot Number	23
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	429 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 26, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB
Dec 21, 2016	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	Dec 26, 2019 · Amount on Record
Deed Document Number	20201453279
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 29, 2020
Property Address	429 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001453279
Instrument Date	Dec 28, 2020
Instrument	1453279
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	TITLE ONE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.30
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	429 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	0001453280
Date	Dec 29, 2020
Instrument	1453280

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 26, 2019
Property Address	429 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001414574
Instrument Date	Dec 20, 2019
Instrument	1414574
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$841.50
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	429 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	0001414575
Date	Dec 26, 2019
Instrument	1414575

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	429 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001335236
Instrument Date	Dec 21, 2016
Transaction Type	Mortgage
Record Updated	Mar 1, 2017
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	429 ELDER AVE NW ST MICHAEL MN 553761021, ST MICHAEL, MN 55376-1021

Mortgage

Document Number	0001335236
Date	Jan 24, 2017
Instrument	1335236

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2047

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	$3,896.00 (+7.09%)	$350,400 (+2.13%) Land $105,000 Building $245,400	$350,400 (+2.13%) Land $105,000 Building $245,400
2025		$343,100 (+0.35%) Land $107,000 Building $236,100	$343,100 (+0.35%) Land $107,000 Building $236,100
2023	$3,638.00 (+4.84%)	$341,900 Land $105,900 Building $236,000	$341,900 Land $105,900 Building $236,000
2022	$3,470.00

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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