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  5. Otter Trl NE

4882 Otter Trl NE, Saint Michael, MN 55376 Property Records

Wright County property record for 4882 Otter Trl NE, Saint Michael, MN 55376

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 3,946 sqft · built 2020
Lot Size0.314 acres (13,691 sqft)
Owner2 Individual Names on File
Last Sale$720,145 (Nov 2020)
Tax Bill$10,108 (2026)
Deeds & MortgagesNov 2020 Sale & Mortgage
May 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN114-340-002040

Property Details

APN / Parcel Number

Primary APN114-340-002040

Interior

Bedrooms4 Beds
Full Baths5 Baths
Stories2 Stories
Building Area3,946 sqft Living Area
Basement Area1,145 sqft
Finished Basement1,145 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Construction TypeFrame
Roof TypeHip
Roof MaterialWood Shingle
Lot Area13,691 sqft (0.314 acres)
Garage TypeAttached
Garage Area1,260 sqft
Parking Spaces5 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address4882 OTTER TRL NE
CitySAINT MICHAEL
StateMN
Zip55376-1701
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-09 TWP-120 RANGE-023 TRIBUTARY CROSSING 2ND ADDN LOT-004 BLOCK-002 4 BLOCK-002
Legal Range023
Legal Township120
Legal Section09
Legal SubdivisionTRIBUTARY CROSSING 2ND ADDN
Legal Block2
Legal Lot Number4
JurisdictionWRIGHT MN
Township / Civil DivisionST. MICHAEL
Census Block Group1
Census Block1021
Census Tract100806

Owner

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 Record2 Individual Names on File
Mailing Address4882 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 6, 2020Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
TRADITION MORTGAGE
May 7, 2020Warranty Deed, Transfer
CUSTOM HOME BUILDERS TITLE
May 5, 2020Loan Modification, Mortgage · Line of Credit
BRIDGEWATER BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 6, 2020 · Amount on File
Deed SaleNov 6, 2020 · Amount on File
Prior SaleMay 7, 2020 · Amount on File
Deed Document Number20201447071
Record UpdatedSep 20, 2026

November 2020: Limited Warranty Deed, Subdivision Related Transfer

Document TypeLimited Warranty Deed
JurisdictionWRIGHT MN
Recording DateNov 6, 2020
Property Address4882 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701
Document Number0001447071
Instrument DateSep 17, 2020
Instrument1447071
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 13, 2021
Title CompanyESQUIRE TITLE SERVICE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,376.48
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address4882 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701

Mortgage

Document Number0001447074
DateNov 6, 2020
Instrument1447074
Lender
NameTRADITION MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term359 Months
DueOct 1, 2050

Mortgage

Document Number0001447075
DateNov 6, 2020
Instrument1447075
Lender
NameAMERICAN INVESTORS BANK & MORTGAGE
TypeBank
AddressLAKOTA, ND 58344
Agreement
TypeLine of Credit
AmountAmount on Record
Term299 Months
DueOct 15, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateMay 7, 2020
Property Address4882 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701
Document Number0001425723
Instrument DateMay 5, 2020
Instrument1425723
Transaction TypeTransfer
Record UpdatedJul 22, 2020
Title CompanyCUSTOM HOME BUILDERS TITLE

Transaction

AmountAmount on Record
Tax$329.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address16972 BRANDTJEN FARM DR LAKEVILLE MN 550446047, LAKEVILLE, MN 55044-6047
InvestorPossibly a Property Investor

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWRIGHT MN
Property Address4882 OTTER TRL NE, SAINT MICHAEL, MN 55376-1701
Document Number0001425724
Instrument DateMay 5, 2020
Transaction TypeMortgage
Record UpdatedJul 23, 2020
Title CompanyCUSTOM HOME BUILDERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4882 OTTER TRL NE ST MICHAEL MN 553761701, ST MICHAEL, MN 55376-1701
InvestorPossibly a Property Investor

Mortgage

Document Number0001425724
DateMay 7, 2020
Instrument1425724
Lender
NameBRIDGEWATER BK
TypeBank
Address3800 AMERICAN BLVD W # 100, BLOOMINGTON, MN 55431-4416
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyWright County
MunicipalitySt. Michael City
Unified School DistrictElk River School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$10,108.00 (+5.01%)$890,100 (+6.1%) Land $165,000 Building $725,100$890,100 (+6.1%) Land $165,000 Building $725,100
2025$838,900 (-5.51%) Land $168,000 Building $670,900$838,900 (-5.51%) Land $168,000 Building $670,900
2023$9,626.00 (-2.06%)$887,800 Land $151,200 Building $736,600$887,800 Land $151,200 Building $736,600
2022$9,828.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 95% of the US · lower than 84% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemJoint Powers Water Board
serves 30,922 people · EPA ID MN1860024
Water SourceGroundwater
Last State InspectionDec 2025
LeadUnder 1 ppb (2026)
action level 15 ppb
Copper1.56 mg/L (2026)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 96 locations within half a mile, as of December 31, 2025

ProviderMax 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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