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

Wright County property record for 522 Main St N, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 926 sqft · built 1986
Lot Size	0.229 acres (9,998 sqft)
Owner	Individual Name on File
Last Sale	$262,500 (Aug 2026)
Tax Bill	$3,064 (2026)
Deeds & Mortgages	Aug 2026 Sale Aug 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-037-001030`

Property Details

APN / Parcel Number

Primary APN	`114-037-001030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	926 sqft Living Area
1st Floor Area	926 sqft
Basement Area	684 sqft
Finished Basement	684 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1992
Architectural Style	Dome
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	9,998 sqft (0.229 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	522 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-003 BLOCK-001
Legal Range	024
Legal Township	120
Legal Section	12
Legal Subdivision	TERRACE HILLS
Legal Block	1
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	3
Census Block	3004
Census Tract	100805

Owner

522 Main St N is owned and occupied by an individual who bought it in August 2026.

Source: Wright County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	522 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

Date	Document
Aug 10, 2026	Affidavit, Transfer
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE CREDIT UNION
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEND SMART MORTGAGE LLC
May 2, 2017	Limited Warranty Deed, Transfer FIRST FINANCIAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Deed Document Number	20261609489
Record Updated	Oct 29, 2026

August 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	WRIGHT MN
Recording Date	Aug 10, 2026
Property Address	522 MAIN ST N, SAINT MICHAEL, MN 55376-9550
Document Number	0001609488
Instrument Date	Aug 10, 2026
Instrument	20261609488
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 MAIN ST N, SAINT MICHAEL, MN 55376-9550

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 10, 2026
Property Address	522 MAIN ST N, SAINT MICHAEL, MN 55376-9550
Document Number	0001609489
Instrument Date	Jul 16, 2026
Instrument	20261609489
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	CENTRAL LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,491.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 MAIN ST N, SAINT MICHAEL, MN 55376-9550

Mortgage

Document Number	0001609490,
Date	Aug 10, 2026
Instrument	20261609490

Lender

Name	STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	522 MAIN ST N, SAINT MICHAEL, MN 55376-9550
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001427801
Date	May 28, 2020
Instrument	1427801

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company
Address	SAINT PAUL, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 2, 2017
Property Address	522 MAIN ST N, SAINT MICHAEL, MN 55376-9550
Document Number	0001342324
Instrument Date	Apr 24, 2017
Instrument	1342324
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST FINANCIAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	355 EVANS AVE NW APT 104, 104, ELK RIVER, MN 55330-2697

Tax Assessment & Valuation

The 2026 property tax bill for 522 Main St N was $3,064.

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	$3,064.00	$289,100 (+4.14%) Land $105,000 Building $184,100	$289,100 (+4.14%) Land $105,000 Building $184,100
2025		$277,600 Land $107,000 Building $170,600	$277,600 Land $107,000 Building $170,600
2023	$2,916.00 (+5.65%)	$277,400 Land $105,900 Building $171,500	$277,400 Land $105,900 Building $171,500
2022	$2,760.00

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

Flood

FEMA maps place 522 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 522 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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