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

Wright County property record for 490 Laura Ln SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,694 sqft · built 2018
Lot Size	0.121 acres (5,312 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Aug 2019)
Tax Bill	$4,510 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`114-342-002010`

Property Details

APN / Parcel Number

Primary APN	`114-342-002010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,694 sqft Living Area
1st Floor Area	1,694 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	5,312 sqft (0.121 acres)
Garage Type	Attached
Garage Area	542 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	490 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-001 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	CREEKSIDE ESTATES
Legal Block	2
Legal Lot Number	1
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	490 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 24, 2018	Grant Deed, Construction Loan · Line of Credit BANK OF ELK RIVER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	201933553
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 20, 2019
Property Address	490 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Document Number	0000033553
Instrument Date	Aug 7, 2019
Instrument	33553
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	490 LAURA LN SE, SAINT MICHAEL, MN 55376-2220

Mortgage

Document Number	0000033554
Date	Aug 20, 2019
Instrument	33554

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

May 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WRIGHT MN
Recording Date	May 24, 2018
Property Address	490 LAURA LN SE, SAINT MICHAEL, MN 55376-2220
Instrument Date	May 21, 2018
Instrument	32738
Transaction Type	Construction Loan
Record Updated	Sep 27, 2019
Title Company	EXECUTIVE TITLE NORTHWEST LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21301 COUNTY ROAD 81 ROGERS MN 553743901, ROGERS, MN 55374-3901

Mortgage

Document Number	0000032738
Date	May 24, 2018
Instrument	32738

Lender

Name	BANK OF ELK RIVER
Type	Bank
Address	630 MAIN ST NW, ELK RIVER, MN 55330-1503

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 23, 2019

Interest

Rate Type	Adjustable Rate

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	$4,510.00 (+9.89%)	$398,900 (+1.89%) Land $113,000 Building $285,900	$398,900 (+1.89%) Land $113,000 Building $285,900
2025		$391,500 (-2.54%) Land $115,000 Building $276,500	$391,500 (-2.54%) Land $115,000 Building $276,500
2023		$401,700 Land $113,400 Building $288,300	$401,700 Land $113,400 Building $288,300
2022	$4,104.00

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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