494 4th St NE, Saint Michael, MN 55376 Property Records

Wright County property record for 494 4th St NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 888 sqft · built 1986
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$248,000 (Mar 2023)
Tax Bill	$2,928 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-043-001070`

Property Details

APN / Parcel Number

Primary APN	`114-043-001070`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	6,490 sqft (0.149 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Storage Building	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	494 4TH ST NE
City	SAINT MICHAEL
State	MN
Zip	55376-9106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-12 TWP-120 RANGE-024 LINDENFELSER ADDN LOT-007 BLOCK-001 1
Legal Range	024
Legal Township	120
Legal Section	12
Legal Subdivision	LINDENFELSER ADDN
Legal Block	1
Legal Lot Number	7
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	3
Census Block	3001
Census Tract	100805

Owner

494 4th St NE is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	494 4TH ST NE, SAINT MICHAEL, MN 55376-9106
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

Date	Document
Mar 15, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jun 27, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQULTY CONSULTA
Mar 29, 2019	Trustee's Deed, Construction Loan · Construction Mortgage BELL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on File
Deed Sale	Mar 14, 2023 · Amount on File
Prior Sale	Jun 27, 2019 · Amount on File
Deed Document Number	20231518136
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Mar 15, 2023
Property Address	494 4TH ST NE, SAINT MICHAEL, MN 55376-9106
Document Number	00A1527320
Instrument Date	Mar 14, 2023
Instrument	A1527320
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ZILLOW CLOSING SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$818.40
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 4TH ST NE, SAINT MICHAEL, MN 55376-9106

Mortgage

Document Number	00A1527321
Date	Mar 15, 2023
Instrument	A1527321

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 27, 2019
Property Address	494 4TH ST NE, SAINT MICHAEL, MN 55376-9106
Document Number	0001398910
Instrument Date	May 8, 2019
Instrument	1398910
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	PARTNERS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 4TH ST NE, SAINT MICHAEL, MN 55376-9106

Mortgage

Document Number	0001398911
Date	Jun 27, 2019
Instrument	1398911

Lender

Name	AMERICAN MORTGAGE & EQULTY CONSULTA
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WRIGHT MN
Recording Date	Mar 29, 2019
Property Address	494 4TH ST NE, SAINT MICHAEL, MN 55376-9106
Instrument Date	Mar 25, 2019
Instrument	1392694
Transaction Type	Construction Loan
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	494 4TH ST NE ST MICHAEL MN 553769106, ST MICHAEL, MN 55376-9106

Mortgage

Document Number	0001392694
Date	Mar 29, 2019
Instrument	1392694

Lender

Name	BELL BK
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 28, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 494 4th St NE was $2,928.

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	$2,928.00	$276,800 (+3.79%) Land $68,000 Building $208,800	$276,800 (+3.79%) Land $68,000 Building $208,800
2025		$266,700 Land $69,000 Building $197,700	$266,700 Land $69,000 Building $197,700
2023	$1,332.00 (-41.53%)	$244,400 Land $68,000 Building $176,400	$244,400 Land $68,000 Building $176,400
2022	$2,278.00

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

Flood

FEMA maps place 494 4th St NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 494 4th St NE is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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