512 2nd St NW, Saint Michael, MN 55376 Property Records

Wright County property record for 512 2nd St NW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,020 sqft · built 1990
Lot Size	0.229 acres (10,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,344 (2026)
Deeds & Mortgages	Apr 2023 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-042-002040`

Property Details

APN / Parcel Number

Primary APN	`114-042-002040`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1992
Architectural Style	Dome
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.229 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	144 sqft
Storage Building	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	512 2ND ST NW
City	SAINT MICHAEL
State	MN
Zip	55376-9283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-11 TWP-120 RANGE-024 ST MICHAEL HEIGHTS 2ND ADDN LOT-004 BLOCK-002 4 BLOCK-002
Legal Range	024
Legal Township	120
Legal Section	11
Legal Subdivision	MICHAEL HEIGHTS
Legal Block	2
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2000
Census Tract	100803

Owner

512 2nd St NW is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	512 2ND ST NW, SAINT MICHAEL, MN 55376-9283
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
Apr 18, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 14, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Sep 16, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	512 2ND ST NW, SAINT MICHAEL, MN 55376-9283
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1529057
Date	Apr 18, 2023
Instrument	A1529057

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	512 2ND ST NW, SAINT MICHAEL, MN 55376-9283
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001470292
Date	May 14, 2021
Instrument	1470292

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	512 2ND ST NW, SAINT MICHAEL, MN 55376-9283
Document Number	0001428966
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	512 2ND ST NW ST MICHAEL MN 553769283, ST MICHAEL, MN 55376-9283

Mortgage

Document Number	0001428966
Date	Jun 9, 2020
Instrument	1428966

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	512 2ND ST NW, SAINT MICHAEL, MN 55376-9283
Document Number	0001406150
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	512 2ND ST NW ST MICHAEL MN 553769283, ST MICHAEL, MN 55376-9283

Mortgage

Document Number	0001406150
Date	Sep 20, 2019
Instrument	1406150

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 512 2nd St NW was $3,344.

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	$3,344.00	$307,700 (+2.7%) Land $105,000 Building $202,700	$307,700 (+2.7%) Land $105,000 Building $202,700
2025		$299,600 Land $107,000 Building $192,600	$299,600 Land $107,000 Building $192,600
2023	$3,127.00 (+7.09%)	$297,300 Land $105,900 Building $191,400	$297,300 Land $105,900 Building $191,400
2022	$2,920.00

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

Flood

FEMA maps place 512 2nd St NW 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 512 2nd St NW 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 99.1% of the US · lower than 96% 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 289 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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