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

Wright County property record for 488 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,620 sqft · built 2018
Lot Size	0.129 acres (5,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Aug 2023)
Tax Bill	$4,454 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-342-002020`

Property Details

APN / Parcel Number

Primary APN	`114-342-002020`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	5,624 sqft (0.129 acres)
Garage Type	Attached
Garage Area	594 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	488 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-002 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	2
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	1855 W SOUTHERN AVE, 307, APACHE JUNCTION, AZ 85120-7345
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage SHERBURNE STATE BANK
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage SHERBURNE STATE BANK
Mar 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage DEERWOOD BANK
Dec 13, 2019	Warranty Deed, Transfer EXECUTIVE TITLE NORTHWEST LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Prior Sale	Dec 13, 2019 · Amount on Record
Deed Document Number	20231569569
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Recording Date	Aug 31, 2026
Property Address	488 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000039168
Instrument Date	Aug 28, 2026
Instrument	202639168
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Investor	Possibly a Property Investor

Mortgage

Document Number	0000039168,
Date	Aug 31, 2026
Instrument	202639168

Lender

Name	SHERBURNE STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 28, 2031

Interest

Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 18, 2023
Property Address	488 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000T36873
Instrument Date	Aug 17, 2023
Instrument	T36873
Transaction Type	Transfer
Record Updated	Oct 9, 2023
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	488 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Investor	Possibly a Property Investor

Mortgage

Document Number	0000T36874
Date	Aug 18, 2023
Instrument	T36874

Lender

Name	SHERBURNE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	488 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000T36585
Date	Mar 1, 2023
Instrument	T36585

Lender

Name	DEERWOOD BANK
Type	Bank
Address	BRAINERD, MN 56401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Feb 28, 2030

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 13, 2019
Property Address	488 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033786
Instrument Date	Nov 26, 2019
Instrument	33786
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	EXECUTIVE TITLE NORTHWEST LLC

Transaction

Amount	Amount Recorded
Tax	$983.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7 SAUK RAPIDS MN 563790007, SAUK RAPIDS, MN 56379-0007

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	$4,454.00 (+12.36%)	$383,100 (+1.54%) Land $113,000 Building $270,100	$383,100 (+1.54%) Land $113,000 Building $270,100
2025		$377,300 (+0.11%) Land $115,000 Building $262,300	$377,300 (+0.11%) Land $115,000 Building $262,300
2023	$3,964.00	$376,900 Land $113,400 Building $263,500	$376,900 Land $113,400 Building $263,500
2022	$3,964.00

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.

Nearby Properties on Laura Ln SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures