433 3rd St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 433 3rd St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,984 sqft · built 1990
Lot Size	0.399 acres (17,405 sqft)
Owner	2 Company Names on Record
Last Sale	$144,336 (Jul 2001)
Tax Bill	$5,094 (2026)
Deeds & Mortgages	Sep 2025 Transfer Apr 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-049-003030`

Property Details

APN / Parcel Number

Primary APN	`114-049-003030`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	4 Stories
Building Area	1,984 sqft Living Area
1st Floor Area	1,984 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	17,405 sqft (0.399 acres)
Garage Type	Mixed
Garage Area	674 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	433 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-003 BLOCK-003 3 BLOCK-003
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	MICHAEL HEIGHTS
Legal Block	3
Legal Lot Number	3
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 Company Names on Record
Mailing Address	433 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Intrafamily Transfer, Transfer
Apr 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALERUS FINANCIAL NA
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALERUS FINANCIAL NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2001 · Amount on Record
Deed Sale	Jul 12, 2001 · Amount on Record
Deed Document Number	200173550
Last Transfer Date	May 8, 2025
Transfer Doc	00A1586063
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Sep 24, 2025
Property Address	433 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Document Number	00A1586063
Instrument Date	May 8, 2025
Instrument	A1586063
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	433 3RD ST NW, SAINT MICHAEL, MN 55376-9755

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	433 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1529681
Date	Apr 27, 2023
Instrument	A1529681

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	GRAND FORKS, ND 58201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2043

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	433 3RD ST NW, SAINT MICHAEL, MN 55376-9755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WATERMARK TITLE AGCY QUALIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001442196
Date	Sep 30, 2020
Instrument	1442196

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$5,094.00 (+7.2%)	$445,800 (+1.9%) Land $105,000 Building $340,800	$445,800 (+1.9%) Land $105,000 Building $340,800
2025	$4,752.00 (+7.17%)	$437,500 (+4.64%) Land $107,000 Building $330,500	$437,500 (+4.64%) Land $107,000 Building $330,500
2023	$4,434.00 (-0.4%)	$418,100 Land $105,900 Building $312,200	$418,100 Land $105,900 Building $312,200
2022	$4,452.00

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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