Wright County property record for 4949 Otter Trl NE, Saint Michael, MN 55376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,149 sqft · built 2018 |
| Lot Size | 0.499 acres (21,736 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $705,000 (Aug 2022) |
| Tax Bill | $8,254 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-340-003070 |
| Primary APN | 114-340-003070 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,149 sqft Living Area |
| 1st Floor Area | 1,928 sqft |
| Basement Area | 1,232 sqft |
| Finished Basement | 1,232 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 21,736 sqft (0.499 acres) |
| Garage Type | Attached |
| Garage Area | 682 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4949 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-007 BLOCK-003 7 BLOCK-003 |
| Legal Range | 023 |
| Legal Township | 120 |
| Legal Section | 10 |
| Legal Subdivision | TRIBUTARY CROSSING 2ND ADDN |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 100806 |
4949 Otter Trl NE is owned and occupied by two individuals who bought it in August 2022.
Source: Wright County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4949 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.
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Line of Credit UW CREDIT UNION |
| Aug 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF WISCONSIN CU |
| Jul 15, 2020 | Deed of Trust, Mortgage · Line of Credit DEERWOOD BANK |
| Jul 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA |
| Nov 15, 2018 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRADITION MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2022 · Amount on File |
| Deed Sale | Aug 22, 2022 · Amount on File |
| Prior Sale | Nov 15, 2018 · Amount on File |
| Deed Document Number | 20221456374 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 14, 2026 |
| Property Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001607436 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20261607436 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001607436, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 20261607436 |
| Name | UW CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Aug 24, 2022 |
| Property Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 00A1515306 |
| Instrument Date | Aug 22, 2022 |
| Instrument | A1515306 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2022 |
| Title Company | THE TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,326.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 00A1515307 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | A1515307 |
| Name | UNIVERSITY OF WISCONSIN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | LENDSERV NATL TTL & INFORMAT |
| Name | Verified Name |
|---|
| Document Number | 0001433338 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 1433338 |
| Name | DEERWOOD BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55120 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 31, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LENDSERV NATL TTL & INFORMAT |
| Name | Verified Name |
|---|
| Document Number | 0001433303 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 1433303 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 15, 2018 |
| Property Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001384182 |
| Instrument Date | Nov 8, 2018 |
| Instrument | 1384182 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | ESQUIRE TITLE SERVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,027.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4949 OTTER TRL NE, SAINT MICHAEL, MN 55376-1709 |
| Document Number | 0001384183 |
|---|---|
| Date | Nov 15, 2018 |
| Instrument | 1384183 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Number | 0001384184 |
|---|---|
| Date | Nov 15, 2018 |
| Instrument | 1384184 |
| Name | AMERICAN INVESTORS BANK & MORTGAGE |
|---|---|
| Type | Bank |
| Address | EDEN PRAIRIE, MN 55344 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 4949 Otter Trl NE was $8,254.
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 | $8,254.00 | $739,200 (+5.62%) Land $165,000 Building $574,200 | $739,200 (+5.62%) Land $165,000 Building $574,200 |
| 2025 | $699,900 Land $168,000 Building $531,900 | $699,900 Land $168,000 Building $531,900 | |
| 2023 | $7,844.00 (+0.62%) | $699,900 Land $166,400 Building $533,500 | $699,900 Land $166,400 Building $533,500 |
| 2022 | $7,796.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4949 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 4949 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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