Wright County property record for 4632 Otter Ct NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,928 sqft · built 2019 |
| Lot Size | 0.56 acres (24,410 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $671,875 (Jul 2019) |
| Tax Bill | $9,016 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Feb 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-343-001050 |
| Primary APN | 114-343-001050 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,928 sqft Living Area |
| Basement Area | 778 sqft |
| Finished Basement | 778 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 24,410 sqft (0.56 acres) |
| Garage Type | Attached |
| Garage Area | 1,364 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4632 OTTER CT NE |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-09 TWP-120 RANGE-023 TRIBUTARY CROSSING 3RD ADDN LOT-005 BLOCK-001 5 BLOCK-001 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 09 |
| Legal Subdivision | TRIBUTARY CROSSING 3RD ADDN |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 100806 |
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 | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2021 | Deed of Trust, Mortgage · Line of Credit 1ST ALLIANCE MORTGAGE LLC |
| Feb 18, 2021 | Deed of Trust, Mortgage · Line of Credit AMERICAN INVESTORS BANK & MORTGAGE |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE |
| Apr 28, 2020 | Loan Modification, Mortgage · Line of Credit TRADITION CAP BK |
| Jul 17, 2019 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRADITION MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2019 · Amount on Record |
| Deed Sale | Jul 17, 2019 · Amount on Record |
| Prior Sale | Feb 21, 2019 · Amount on Record |
| Deed Document Number | 20191400491 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Title Company | ANCONA TITLE, ANCONA TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0001463865 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 1463865 |
| Name | 1ST ALLIANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | EDEN PRAIRIE, MN 55344 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC |
| Name | Verified Name |
|---|
| Document Number | 0001459341 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 1459341 |
| Name | AMERICAN INVESTORS BANK & MORTGAGE |
|---|---|
| Type | Bank |
| Address | EDEN PRAIRIE, MN 55344 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Mar 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC |
| Name | Verified Name |
|---|
| Document Number | 0001459340 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 1459340 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKEVILLE, MN 55044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ESQUIRE TITLE SERVICE LLC |
| Name | Verified Name |
|---|
| Document Number | 0001421904 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 1421904 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKEVILLE, MN 55044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Document Number | 0001424940 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | CUSTOM HOME BUILDERS TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 16972 BRANDTJEN FARM DR LAKEVILLE MN 550446047, LAKEVILLE, MN 55044-6047 |
| Investor | Possibly a Property Investor |
| Document Number | 0001424940 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 1424940 |
| Name | TRADITION CAP BK |
|---|---|
| Type | Bank |
| Address | 7601 FRANCE AVE S # 140, EDINA, MN 55435-5997 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 17, 2019 |
| Property Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Document Number | 0001400491 |
| Instrument Date | Jul 3, 2019 |
| Instrument | 1400491 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | ESQUIRE TITLE SERVICE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,217.19 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 4632 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Document Number | 0001400492 |
|---|---|
| Date | Jul 17, 2019 |
| Instrument | 1400492 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wright County |
| Municipality | St. Michael City |
| Unified School District | Elk River School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,016.00 (-3.59%) | $777,900 (+2.76%) Land $165,000 Building $612,900 | $777,900 (+2.76%) Land $165,000 Building $612,900 |
| 2025 | $757,000 (-8.95%) Land $168,000 Building $589,000 | $757,000 (-8.95%) Land $168,000 Building $589,000 | |
| 2023 | $9,352.00 (+8.67%) | $831,400 Land $166,400 Building $665,000 | $831,400 Land $166,400 Building $665,000 |
| 2022 | $8,606.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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