512 4th St NE, Saint Michael, MN 55376 Property Records

Wright County property record for 512 4th St NE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,233 sqft · built 1987
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Apr 2014)
Tax Bill	$4,016 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-043-001030`

Property Details

APN / Parcel Number

Primary APN	`114-043-001030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,233 sqft Living Area
1st Floor Area	1,221 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,000 sqft (0.298 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	52 sqft
Deck Area	168 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	512 4TH ST NE
City	SAINT MICHAEL
State	MN
Zip	55376-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-12 TWP-120 RANGE-024 LINDENFELSER ADDN LOT-003 BLOCK-001 LT3&4 BLK1 ALSO TH PRT OF OUTLT A DES BEG NE COR LT3 BLK1 TH S0
Legal Range	024
Legal Township	120
Legal Section	12
Legal Subdivision	LINDENFELSER ADDN
Legal Block	1,1
Legal Lot Number	3-4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	3
Census Block	3001
Census Tract	100805

Owner

512 4th St NE is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	512 4TH ST NE, SAINT MICHAEL, MN 55376-9108
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
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2014 · Amount on File
Deed Sale	Apr 4, 2014 · Amount on File
Deed Document Number	2014124306
Prior Transfer Date	Mar 31, 2014
Prior Transfer Doc	0000124306
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Recording Date	Jun 25, 2026
Property Address	512 4TH ST NE, SAINT MICHAEL, MN 55376-9108
Document Number	0001605878
Instrument Date	Jun 16, 2026
Instrument	20261605878
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVION TITLE INC, SERVION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 4TH ST NE, SAINT MICHAEL, MN 55376-9108

Mortgage

Document Number	0001605878,
Date	Jun 25, 2026
Instrument	20261605878

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	512 4TH ST NE, SAINT MICHAEL, MN 55376-9108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CHOICE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403141
Date	Aug 19, 2019
Instrument	1403141

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2039

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	512 4TH ST NE, SAINT MICHAEL, MN 55376-9108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CHOICE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001445161
Date	Oct 26, 2020
Instrument	1445161

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 512 4th St NE was $4,016.

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	$4,016.00	$355,700 (+0.88%) Land $113,000 Building $242,700	$355,700 (+0.88%) Land $113,000 Building $242,700
2025		$352,600 Land $115,000 Building $237,600	$352,600 Land $115,000 Building $237,600
2023	$3,652.00 (+7.92%)	$340,900 Land $113,400 Building $227,500	$340,900 Land $113,400 Building $227,500
2022	$3,384.00

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

Flood

FEMA maps place 512 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 512 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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