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

Wright County property record for 440 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,642 sqft · built 2020
Lot Size	0.174 acres (7,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,812 (Sep 2020)
Tax Bill	$4,754 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002180`

Property Details

APN / Parcel Number

Primary APN	`114-342-002180`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,642 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	7,593 sqft (0.174 acres)
Garage Type	Attached
Garage Area	468 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	440 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-018 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	18
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 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	440 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Sep 1, 2020	Warranty Deed, Transfer EDINA REALTY TITLE
May 7, 2020	Warranty Deed, Transfer AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	May 7, 2020 · Amount on Record
Deed Document Number	202034373
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	440 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	EDINA REALTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034726
Date	Dec 28, 2020
Instrument	34726

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

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

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 1, 2020
Property Address	440 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034373
Instrument Date	Aug 4, 2020
Instrument	34373
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Tax	$1,168.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	440 LAURA LN SE ST MICHAEL MN 553762220, ST MICHAEL, MN 55376-2220

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 7, 2020
Property Address	440 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034074
Instrument Date	May 7, 2020
Instrument	34074
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TTL NORTHWEST LLC

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, ROGERS, MN 55374-8945
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034075
Date	May 7, 2020
Instrument	34075

Lender

Name	AMERICAN LAND & CAPITAL LLC
Type	Mortgage Company

Agreement

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	$4,754.00 (+16.75%)	$416,600 (+1.41%) Land $137,000 Building $279,600	$416,600 (+1.41%) Land $137,000 Building $279,600
2025		$410,800 (-2.19%) Land $138,000 Building $272,800	$410,800 (-2.19%) Land $138,000 Building $272,800
2023	$4,072.00 (-0.88%)	$420,000 (+16.73%) Land $136,100 Building $283,900	$420,000 (+16.73%) Land $136,100 Building $283,900
2022	$4,108.00 Homeowner's exemption	$359,800 Land $112,000 Building $247,800	$359,800 Land $112,000 Building $247,800

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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