4925 Otter Trl NE, Saint Michael, MN 55376 Property Records

Wright County property record for 4925 Otter Trl NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,852 sqft · built 2019
Lot Size	0.42 acres (18,317 sqft)
Owner	2 Individual Names on File
Last Sale	$106,000 (Nov 2019)
Tax Bill	$8,776 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-340-003060`

Property Details

APN / Parcel Number

Primary APN	`114-340-003060`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,852 sqft Living Area
Basement Area	1,272 sqft
Finished Basement	1,272 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	18,317 sqft (0.42 acres)
Garage Type	Attached
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4925 OTTER TRL NE
City	SAINT MICHAEL
State	MN
Zip	55376-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-10 TWP-120 RANGE-023 TRIBUTARY CROSSING 2ND ADDN LOT-006 BLOCK-003 6 BLOCK-003
Legal Range	023
Legal Township	120
Legal Section	10
Legal Subdivision	TRIBUTARY CROSSING 2ND ADDN
Legal Block	3
Legal Lot Number	6
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1019
Census Tract	100806

Owner

4925 Otter Trl NE is owned and occupied by two individuals who bought it in November 2019.

Source: Wright County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4925 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2019 · Amount on File
Deed Sale	Nov 8, 2019 · Amount on File
Deed Document Number	20191410573
Record Updated	Sep 20, 2026

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 9, 2020
Property Address	4925 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709
Document Number	0001423201
Instrument Date	Apr 3, 2020
Instrument	1423201
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2020
Title Company	ESQUIRE TITLE, ESQUIRE TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,041.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4925 OTTER TRL NE ST MICHAEL MN 553761709, ST MICHAEL, MN 55376-1709

Mortgage

Document Number	1423202
Date	Apr 9, 2020
Instrument	1423202

Lender

Name	SUMMIT MTG CORP
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4925 Otter Trl NE was $8,776.

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	Elk River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,776.00	$758,900 (+2.69%) Land $165,000 Building $593,900	$758,900 (+2.69%) Land $165,000 Building $593,900
2025		$739,000 Land $168,000 Building $571,000	$739,000 Land $168,000 Building $571,000
2023	$9,540.00 (-2.17%)	$880,100 Land $166,400 Building $713,700	$880,100 Land $166,400 Building $713,700
2022	$9,752.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4925 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

Wildfire risk around 4925 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.

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 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