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

Wright County property record for 470 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,471 sqft · built 2020
Lot Size	0.14 acres (6,119 sqft)
Owner	Individual Name on Record
Last Sale	$325,751 (Jan 2021)
Tax Bill	$3,832 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002110`

Property Details

APN / Parcel Number

Primary APN	`114-342-002110`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,471 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	6,119 sqft (0.14 acres)
Garage Type	Attached
Garage Area	462 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	470 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-011 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	11
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	Individual Name on Record
Mailing Address	470 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK
Jan 29, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK
Oct 1, 2020	Warranty Deed, Transfer · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Prior Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	202134805
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	470 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000T36026
Date	Apr 27, 2022
Instrument	T36026

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	SAINT MICHAEL, MN 55376

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jan 29, 2021
Property Address	470 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034805
Instrument Date	Jan 28, 2021
Instrument	34805
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,074.98
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000034806
Date	Jan 29, 2021
Instrument	34806

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 1, 2020
Property Address	470 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034476
Instrument Date	Sep 30, 2020
Instrument	34476
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Tax	$250.80
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	0000034477
Date	Oct 1, 2020
Instrument	34477

Lender

Name	AMERICAN LAND & CAPITAL LLC
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

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	$3,832.00 (+1.86%)	$370,500 (+1.87%) Land $113,000 Building $257,500	$370,500 (+1.87%) Land $113,000 Building $257,500
2025		$363,700 (-2.96%) Land $115,000 Building $248,700	$363,700 (-2.96%) Land $115,000 Building $248,700
2023	$3,762.00 (+41.96%)	$374,800 Land $113,400 Building $261,400	$374,800 Land $113,400 Building $261,400
2022	$2,650.00

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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