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

Wright County property record for 432 Elder Ave NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,354 sqft · built 1997
Lot Size	0.342 acres (14,937 sqft)
Owner	Individual Name on Record
Last Sale	$322,000 (Nov 2020)
Tax Bill	$4,386 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-067-001120`

Property Details

APN / Parcel Number

Primary APN	`114-067-001120`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	4 Stories
Building Area	1,354 sqft Living Area
1st Floor Area	1,354 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	14,937 sqft (0.342 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	238 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	432 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-012 BLOCK-001 -001
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	CREEK RIDGE
Legal Block	1
Legal Lot Number	12
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	Individual Name on Record
Mailing Address	432 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Jul 22, 1997 · Amount on Record
Deed Document Number	20201446804
Prior Transfer Date	Nov 6, 2017
Prior Transfer Doc	0001357496
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 5, 2020
Property Address	432 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021
Document Number	0001446804
Instrument Date	Oct 30, 2020
Instrument	1446804
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	WATERMARK TITLE AGCY QUALIA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 ELDER AVE NW, SAINT MICHAEL, MN 55376-1021

Mortgage

Document Number	0001446805
Date	Nov 5, 2020
Instrument	1446805

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$4,386.00 (+13.51%)	$385,900 (+1.1%) Land $105,000 Building $280,900	$385,900 (+1.1%) Land $105,000 Building $280,900
2025		$381,700 (+3.05%) Land $107,000 Building $274,700	$381,700 (+3.05%) Land $107,000 Building $274,700
2023	$3,864.00 (+1.63%)	$370,400 Land $105,900 Building $264,500	$370,400 Land $105,900 Building $264,500
2022	$3,802.00

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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