Wright County property record for 4864 Otter Trl NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,312 sqft · built 2019 |
| Lot Size | 0.34 acres (14,844 sqft) |
| Owner | Individual Name on File |
| Last Sale | $581,975 (Jul 2020) |
| Tax Bill | $8,042 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-340-002030 |
| Primary APN | 114-340-002030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,312 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 14,844 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 922 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4864 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-003 BLOCK-002 3 BLOCK-002 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 09 |
| Legal Subdivision | TRIBUTARY CROSSING 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 100806 |
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 | 4864 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 29, 2020 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRADITION MORTGAGE |
| Nov 15, 2019 | Loan Modification, Mortgage · Line of Credit BRIDGEWATER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2020 · Amount on File |
| Deed Sale | Jul 29, 2020 · Amount on File |
| Prior Sale | Nov 15, 2019 · Amount on File |
| Deed Document Number | 20201435085 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4864 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | STATES TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001492321 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 1492321 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 29, 2020 |
| Property Address | 4864 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Document Number | 0001435085 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 1435085 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | ESQUIRE TITLE SERVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,920.52 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4864 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Document Number | 0001435086 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 1435086 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 15, 2019 |
| Property Address | 4864 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 1411118 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4864 OTTER TRL NE ST MICHAEL MN 553761701, ST MICHAEL, MN 55376-1701 |
| Investor | Possibly a Property Investor |
| Document Number | 0001411118 |
|---|---|
| Date | Nov 15, 2019 |
| Instrument | 1411118 |
| Name | BRIDGEWATER BK |
|---|---|
| Type | Bank |
| Address | 3800 AMERICAN BLVD W # 100, BLOOMINGTON, MN 55431-4416 |
| 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 | $8,042.00 (+1.57%) | $712,200 (+4.14%) Land $165,000 Building $547,200 | $712,200 (+4.14%) Land $165,000 Building $547,200 |
| 2025 | $683,900 (-6.39%) Land $168,000 Building $515,900 | $683,900 (-6.39%) Land $168,000 Building $515,900 | |
| 2023 | $7,918.00 (+0.05%) | $730,600 Land $166,400 Building $564,200 | $730,600 Land $166,400 Building $564,200 |
| 2022 | $7,914.00 |
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 |
|---|---|
| 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 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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