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

Wright County property record for 476 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,471 sqft · built 2019
Lot Size	0.132 acres (5,785 sqft)
Owner	Individual Name on Record
Last Sale	$304,900 (Jun 2020)
Tax Bill	$4,114 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002080`

Property Details

APN / Parcel Number

Primary APN	`114-342-002080`

Interior

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

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	5,785 sqft (0.132 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	476 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-008 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	8
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 9, 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	476 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FEDERAL CREDIT UNION
Sep 1, 2020	Warranty Deed, Transfer EXECUTIVE TITLE NORTHWEST LLC
Jun 26, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTONE FIN'L FCU
Oct 24, 2019	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Prior Sale	Oct 24, 2019 · Amount on Record
Deed Document Number	202034197
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Recording Date	Aug 27, 2026
Property Address	476 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000039163
Instrument Date	Aug 18, 2026
Instrument	202639163
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	ANCONA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000039163,
Date	Aug 27, 2026
Instrument	202639163

Lender

Name	TRUSTONE FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 5, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 1, 2020
Property Address	476 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034371
Instrument Date	Aug 31, 2020
Instrument	34371
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	EXECUTIVE TITLE NORTHWEST LLC

Transaction

Amount	Amount Recorded
Tax	$1,338.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	468 PARADISE DR SE ST MICHAEL MN 55376, ST MICHAEL, MN 55376

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 26, 2020
Property Address	476 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034197
Instrument Date	Jun 25, 2020
Instrument	34197
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2020
Title Company	EXECUTIVE TITLE NORTHWEST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 LAURA LN SE ST MICHAEL MN 553762220, ST MICHAEL, MN 55376-2220

Mortgage

Document Number	34198
Date	Jun 26, 2020
Instrument	34198

Lender

Name	TRUSTONE FIN'L FCU
Type	Credit Union
Address	PLYMOUTH, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

October 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 24, 2019
Property Address	476 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033691
Instrument Date	Oct 23, 2019
Instrument	33691
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	EXECUTIVE TTL NORTHWEST LLC

Transaction

Amount	Amount Recorded
Tax	$217.80
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	0000033692
Date	Oct 24, 2019
Instrument	33692

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	$4,114.00 (+7.87%)	$366,800 (+1.83%) Land $113,000 Building $253,800	$366,800 (+1.83%) Land $113,000 Building $253,800
2025		$360,200 (-2.38%) Land $115,000 Building $245,200	$360,200 (-2.38%) Land $115,000 Building $245,200
2023	$3,814.00 (+1.49%)	$369,000 Land $113,400 Building $255,600	$369,000 Land $113,400 Building $255,600
2022	$3,758.00

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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