Wright County property record for 4635 Otter Ct NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,970 sqft · built 2019 |
| Lot Size | 0.333 acres (14,545 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $520,000 (Jun 2020) |
| Tax Bill | $7,206 (2026) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Apr 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-343-001040 |
| Primary APN | 114-343-001040 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,970 sqft Living Area |
| Basement Area | 952 sqft |
| Finished Basement | 952 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 | 14,545 sqft (0.333 acres) |
| Garage Type | Attached |
| Garage Area | 1,192 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4635 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-004 BLOCK-001 4 BLOCK-001 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 09 |
| Legal Subdivision | TRIBUTARY CROSSING 3RD ADDN |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| 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 | 4635 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2020 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage QUICKEN LOANS INC |
| Apr 30, 2020 | Loan Modification, Mortgage · Line of Credit TRADITION CAP BK |
| May 16, 2019 | Warranty Deed, Transfer CUSTOM HOME BUILDERS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2020 · Amount on Record |
| Deed Sale | Jun 2, 2020 · Amount on Record |
| Prior Sale | May 16, 2019 · Amount on Record |
| Deed Document Number | 20201428276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jun 2, 2020 |
| Property Address | 4635 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Document Number | 0001428276 |
| Instrument Date | May 26, 2020 |
| Instrument | 1428276 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,716.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4635 CITTER COURT NE, SAINT MICHAEL, MN 55376 |
| Document Number | 0001428277 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 1428277 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4635 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Document Number | 0001428197 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 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 | 0001428197 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 1428197 |
| Name | TRADITION CAP BK |
|---|---|
| Type | Bank |
| Address | 7601 FRANCE AVE S # 140, EDINA, MN 55435-5997 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 1, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 16, 2019 |
| Property Address | 4635 OTTER CT NE, SAINT MICHAEL, MN 55376-2222 |
| Document Number | 0001395767 |
| Instrument Date | May 16, 2019 |
| Instrument | 1395767 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2020 |
| Title Company | CUSTOM HOME BUILDERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $727.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 16972 BRANDTJEN FARM DR LAKEVILLE MN 550446047, LAKEVILLE, MN 55044-6047 |
| Investor | Possibly a Property Investor |
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 | $7,206.00 (-7.28%) | $640,500 (+3.09%) Land $165,000 Building $475,500 | $640,500 (+3.09%) Land $165,000 Building $475,500 |
| 2025 | $621,300 (-12.67%) Land $168,000 Building $453,300 | $621,300 (-12.67%) Land $168,000 Building $453,300 | |
| 2023 | $7,772.00 (+8.73%) | $711,400 Land $166,400 Building $545,000 | $711,400 Land $166,400 Building $545,000 |
| 2022 | $7,148.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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