434 Laura Ln SE, Saint Michael, MN 55376 Property Records

Wright County property record for 434 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,630 sqft · built 2020
Lot Size	0.17 acres (7,433 sqft)
Owner	Individual Name on Record
Last Sale	$364,324 (Nov 2020)
Tax Bill	$4,768 (2026)
Deeds & Mortgages	Aug 2026 Transfer Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002190`

Property Details

APN / Parcel Number

Primary APN	`114-342-002190`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,630 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	7,433 sqft (0.17 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	434 LAURA LN SE
City	SAINT MICHAEL
State	MN
Zip	55376-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-120 RANGE-024 CREEKSIDE ESTATES LOT-019 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	19
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4015
Census Tract	100805

Owner

Source: Wright County records, as of September 9, 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	434 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 12, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Jul 28, 2020	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Prior Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	202034582
Last Transfer Date	Aug 10, 2026
Transfer Doc	0000039138
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 21, 2026
Property Address	434 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000039138
Instrument Date	Aug 10, 2026
Instrument	202639138
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 12, 2020
Property Address	434 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034582
Instrument Date	Nov 9, 2020
Instrument	34582
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,202.27
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034583
Date	Nov 12, 2020
Instrument	34583

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 28, 2020
Property Address	434 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034259
Instrument Date	Jul 28, 2020
Instrument	34259
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20401 COUNTY ROAD 81 STE 100, 100, ROGERS, MN 55374-4660
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034260
Date	Jul 28, 2020
Instrument	34260

Lender

Name	AMERICAN LAND & CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$4,768.00 (+17.27%)	$417,600 (+1.38%) Land $137,000 Building $280,600	$417,600 (+1.38%) Land $137,000 Building $280,600
2025		$411,900 (-1.84%) Land $138,000 Building $273,900	$411,900 (-1.84%) Land $138,000 Building $273,900
2023	$4,066.00 (-0.78%)	$419,600 Land $136,100 Building $283,500	$419,600 Land $136,100 Building $283,500
2022	$4,098.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 284 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

May also be available: CenturyLink, GigFire, T-Mobile, Verizon.

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