520 Main St N, Saint Michael, MN 55376 Property Records

Wright County property record for 520 Main St N, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,002 sqft · built 1986
Lot Size	0.262 acres (11,429 sqft)
Owner	2 Individual Names on File
Last Sale	$331,725 (Jun 2022)
Tax Bill	$3,458 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-037-001040`

Property Details

APN / Parcel Number

Primary APN	`114-037-001040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,002 sqft Living Area
1st Floor Area	1,002 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
Architectural Style	Dome
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,429 sqft (0.262 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	102 sqft
Deck Area	248 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 MAIN ST N
City	SAINT MICHAEL
State	MN
Zip	55376-9550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-12 TWP-120 RANGE-024 TERRACE HILLS LOT-004 BLOCK-001
Legal Range	024
Legal Township	120
Legal Section	12
Legal Subdivision	TERRACE HILLS
Legal Block	1
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	3
Census Block	3004
Census Tract	100805

Owner

520 Main St N is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 MAIN ST N, SAINT MICHAEL, MN 55376-9550
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	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Deed Document Number	20221422420
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 17, 2022
Property Address	520 MAIN ST N, SAINT MICHAEL, MN 55376-9550
Document Number	00A1510002
Instrument Date	Jun 2, 2022
Instrument	A1510002
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,094.69
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 MAIN ST N, SAINT MICHAEL, MN 55376-9550

Mortgage

Document Number	00A1510003
Date	Jun 17, 2022
Instrument	A1510003

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 520 Main St N was $3,458.

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	$3,458.00	$316,900 (+2.69%) Land $105,000 Building $211,900	$316,900 (+2.69%) Land $105,000 Building $211,900
2025		$308,600 Land $107,000 Building $201,600	$308,600 Land $107,000 Building $201,600
2023	$3,168.00 (+7.54%)	$302,500 Land $105,900 Building $196,600	$302,500 Land $105,900 Building $196,600
2022	$2,946.00

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

Flood

FEMA maps place 520 Main St N 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 520 Main St N 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 99.8% of the US · lower than 99.4% 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 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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