Wright County property record for 4828 Otter Trl NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2,747 sqft · built 2021 |
| Lot Size | 0.453 acres (19,757 sqft) |
| Owner | Individual Name on File |
| Last Sale | $572,757 (Jun 2021) |
| Tax Bill | $6,974 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-340-002010 |
| Primary APN | 114-340-002010 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,747 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Roof Type | Gable |
| Lot Area | 19,757 sqft (0.453 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4828 OTTER TRL NE |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-1701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-09 TWP-120 RANGE-023 TRIBUTARY CROSSING 2ND ADDN LOT-001 BLOCK-002 1 BLOCK-002 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 09 |
| Legal Subdivision | TRIBUTARY CROSSING 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 100806 |
4828 Otter Trl NE is owned and occupied by an individual who bought it in June 2021.
Source: Wright County records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4828 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JAY DACEY MORTGAGE TEAM INC |
| Jun 1, 2021 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRADITION MORTGAGE |
| Jan 7, 2021 | Warranty Deed, Transfer CUSTOM HOME BUILDERS TITLE |
| Jan 5, 2021 | Loan Modification, Mortgage · Line of Credit TRADITION CAP BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on File |
| Deed Sale | Jun 1, 2021 · Amount on File |
| Prior Sale | Jan 7, 2021 · Amount on File |
| Deed Document Number | 20211472170 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4828 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Title Company | LEGACY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001476596 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 1476596 |
| Name | JAY DACEY MORTGAGE TEAM INC |
|---|---|
| Address | SAINT PAUL, MN 55117 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jun 1, 2021 |
| Property Address | 4828 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Document Number | 0001472170 |
| Instrument Date | May 28, 2021 |
| Instrument | 1472170 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4828 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Document Number | 0001472171 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 1472171 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jan 7, 2021 |
| Property Address | 4828 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Document Number | 0001454308 |
| Instrument Date | Jan 5, 2021 |
| Instrument | 1454308 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2021 |
| Title Company | CUSTOM HOME BUILDERS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $337.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4828 OTTER TAIL NE ST MICHAEL MN 55376, ST MICHAEL, MN 55376 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4828 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Document Number | 0001454309 |
| Instrument Date | Jan 5, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | CUSTOM HOME BUILDERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 16972 BRANDTJEN FARM DR LAKEVILLE MN 550446047, LAKEVILLE, MN 55044-6047 |
| Document Number | 0001454309 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 1454309 |
| Name | TRADITION CAP BK |
|---|---|
| Type | Bank |
| Address | 7601 FRANCE AVE S # 140, EDINA, MN 55435-5997 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
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 | $6,974.00 (-5.45%) | $630,300 (+4.39%) Land $165,000 Building $465,300 | $630,300 (+4.39%) Land $165,000 Building $465,300 |
| 2025 | $603,800 (-12.8%) Land $168,000 Building $435,800 | $603,800 (-12.8%) Land $168,000 Building $435,800 | |
| 2023 | $7,376.00 (+1,045.34%) | $692,400 Land $166,400 Building $526,000 | $692,400 Land $166,400 Building $526,000 |
| 2022 | $644.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4828 Otter Trl NE in Zone X, an area of minimal flood risk.
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 risk around 4828 Otter Trl NE is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 84% 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 96 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 |
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