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

Wright County property record for 458 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,810 sqft · built 2019
Lot Size	0.208 acres (9,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Apr 2024)
Tax Bill	$5,170 (2026)
Deeds & Mortgages	May 2026 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002150`

Property Details

APN / Parcel Number

Primary APN	`114-342-002150`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,810 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,072 sqft (0.208 acres)
Garage Type	Attached
Garage Area	696 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	458 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-015 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	15
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 28, 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	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit SHERBURNE STATE BANK
Nov 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 12, 2020	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Nov 7, 2019	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Prior Sale	Feb 12, 2020 · Amount on Record
Deed Document Number	20241639438
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Recording Date	May 12, 2026
Property Address	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000038853
Instrument Date	May 6, 2026
Instrument	202638853
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000038853,
Date	May 12, 2026
Instrument	202638853

Lender

Name	SHERBURNE STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034605
Date	Nov 19, 2020
Instrument	34605

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Apr 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Feb 12, 2020
Property Address	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033886
Instrument Date	Feb 10, 2020
Instrument	33886
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TTL NORTHWEST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.37
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	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000033887
Date	Feb 12, 2020
Instrument	33887

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 7, 2019
Property Address	458 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033732
Instrument Date	Nov 6, 2019
Instrument	33732
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TITLE NW

Transaction

Amount	Amount Recorded
Tax	$300.30
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	0000033733
Date	Nov 7, 2019
Instrument	33733

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	$5,170.00 (+348.01%)	$449,700 (+1.4%) Land $137,000 Building $312,700	$449,700 (+1.4%) Land $137,000 Building $312,700
2025		$443,500 (-5.09%) Land $138,000 Building $305,500	$443,500 (-5.09%) Land $138,000 Building $305,500
2023	$1,154.00 (+72.75%)	$467,300 Land $136,100 Building $331,200	$467,300 Land $136,100 Building $331,200
2022	$668.00

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	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 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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