Wright County property record for 4918 Otter Trl NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,302 sqft · built 2019 |
| Lot Size | 0.299 acres (13,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $699,900 (Mar 2021) |
| Tax Bill | $8,968 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-340-002060 |
| Primary APN | 114-340-002060 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,302 sqft Living Area |
| Basement Area | 1,261 sqft |
| Finished Basement | 1,261 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Wood Shingle |
| Lot Area | 13,056 sqft (0.299 acres) |
| Garage Type | Attached |
| Garage Area | 1,015 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 | 4918 OTTER TRL NE |
|---|---|
| City | SAINT MICHAEL |
| State | MN |
| Zip | 55376-1709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-04 TWP-120 RANGE-023 TRIBUTARY CROSSING 2ND ADDN LOT-006 BLOCK-002 6 BLOCK-002 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 04 |
| Legal Subdivision | TRIBUTARY CROSSING 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 100806 |
4918 Otter Trl NE is owned and occupied by an individual who bought it in March 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 | 4918 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2021 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA |
| Aug 8, 2019 | Warranty Deed, Transfer CUSTOM HOME BUILDERS TITLE |
| Aug 8, 2019 | Loan Modification, Mortgage BRIDGEWATER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on File |
| Deed Sale | Mar 4, 2021 · Amount on File |
| Prior Sale | Aug 8, 2019 · Amount on File |
| Deed Document Number | 20211461105 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Mar 4, 2021 |
| Property Address | 4918 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001461105 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 1461105 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,309.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4918 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001461106 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 1461106 |
| Name | LIBERTY BANK MINNESOTA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Aug 8, 2019 |
| Property Address | 4918 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001402367 |
| Instrument Date | Aug 8, 2019 |
| Instrument | 1402367 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2019 |
| Title Company | CUSTOM HOME BUILDERS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $328.68 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 16972 BRANDTJEN FARM DR LAKEVILLE MN 550446047, LAKEVILLE, MN 55044-6047 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4918 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001402368 |
| Instrument Date | Aug 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2019 |
| Title Company | CUSTOM HOME BUILDERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4918 OTTER TRL NE ST MICHAEL MN 553761709, ST MICHAEL, MN 55376-1709 |
| Investor | Possibly a Property Investor |
| Document Number | 0001402368 |
|---|---|
| Date | Aug 8, 2019 |
| Instrument | 1402368 |
| Name | BRIDGEWATER BK |
|---|---|
| Type | Bank |
| Address | 3800 AMERICAN BLVD W # 100, BLOOMINGTON, MN 55431-4416 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 4918 Otter Trl NE was $8,968.
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 | $8,968.00 | $791,700 (+5.08%) Land $165,000 Building $626,700 | $791,700 (+5.08%) Land $165,000 Building $626,700 |
| 2025 | $753,400 Land $168,000 Building $585,400 | $753,400 Land $168,000 Building $585,400 | |
| 2023 | $8,688.00 (+1.26%) | $787,500 Land $151,200 Building $636,300 | $787,500 Land $151,200 Building $636,300 |
| 2022 | $8,580.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4918 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 4918 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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