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

Wright County property record for 478 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	0.13 acres (5,665 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,985 (May 2020)
Tax Bill	$4,158 (2026)
Deeds & Mortgages	Sep 2025 Transfer Oct 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002070`

Property Details

APN / Parcel Number

Primary APN	`114-342-002070`

Interior

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

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	5,665 sqft (0.13 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	478 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-007 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	7
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	2 Individual Names on Record
Mailing Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Transfer on Death Deed, Transfer
Oct 6, 2020	Warranty Deed, Transfer RESULTS TITLE
May 15, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 24, 2019	Warranty Deed, Transfer · Construction Mortgage AMERICAN LAND & CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Oct 24, 2019 · Amount on Record
Deed Document Number	202034085
Last Transfer Date	Sep 11, 2025
Transfer Doc	0000T38303
Record Updated	Sep 20, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 11, 2025
Property Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000T38303
Instrument Date	Sep 11, 2025
Instrument	T38303
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 6, 2020
Property Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034489
Instrument Date	Sep 18, 2020
Instrument	34489
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Tax	$1,524.00
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	472 PARADISE DR SE ST MICHAEL MN 55376, ST MICHAEL, MN 55376

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 15, 2020
Property Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000034085
Instrument Date	May 14, 2020
Instrument	34085
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	$1,026.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000034086
Date	May 15, 2020
Instrument	34086

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 24, 2019
Property Address	478 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033689
Instrument Date	Oct 23, 2019
Instrument	33689
Transaction Type	Transfer
Record Updated	Aug 13, 2021
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	0000033690
Date	Oct 24, 2019
Instrument	33690

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	$4,158.00 (+7.72%)	$367,800 (+1.13%) Land $113,000 Building $254,800	$367,800 (+1.13%) Land $113,000 Building $254,800
2025	$3,860.00 (+0.89%)	$363,700 (-2.41%) Land $115,000 Building $248,700	$363,700 (-2.41%) Land $115,000 Building $248,700
2023	$3,826.00 (+0.58%)	$372,700 Land $113,400 Building $259,300	$372,700 Land $113,400 Building $259,300
2022	$3,804.00

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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