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

Wright County property record for 446 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,702 sqft · built 2019
Lot Size	0.204 acres (8,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,860 (Sep 2019)
Tax Bill	$5,142 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-342-002170`

Property Details

APN / Parcel Number

Primary APN	`114-342-002170`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,702 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	8,920 sqft (0.204 acres)
Garage Type	Attached
Garage Area	698 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	446 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-017 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	17
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	446 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Jun 27, 2019 · Amount on Record
Deed Document Number	201933631
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	446 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	HOME SECURITY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034414
Date	Sep 17, 2020
Instrument	34414

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 30, 2019
Property Address	446 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033631
Instrument Date	Sep 27, 2019
Instrument	33631
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	$1,200.74
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	446 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000033632
Date	Sep 30, 2019
Instrument	33632

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$5,142.00 (+13.26%)	$456,300 (+3.42%) Land $137,000 Building $319,300	$456,300 (+3.42%) Land $137,000 Building $319,300
2025		$441,200 (-2.04%) Land $138,000 Building $303,200	$441,200 (-2.04%) Land $138,000 Building $303,200
2023	$4,540.00 (-0.7%)	$450,400 Land $136,100 Building $314,300	$450,400 Land $136,100 Building $314,300
2022	$4,572.00

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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