600 3rd St SW, Saint Michael, MN 55376 Property Records

Wright County property record for 600 3rd St SW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,160 sqft · built 1998
Lot Size	0.257 acres (11,235 sqft)
Owner	2 Individual Names on File
Last Sale	$394,900 (Jul 2026)
Tax Bill	$4,100 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-064-002040`

Property Details

APN / Parcel Number

Primary APN	`114-064-002040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	4 Stories
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft
Basement Area	820 sqft
Finished Basement	820 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,235 sqft (0.257 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	600 3RD ST SW
City	SAINT MICHAEL
State	MN
Zip	55376-9132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-14 TWP-120 RANGE-024 ZAHLERS 6TH ADDN LOT-004 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	ZAHLERS 6TH ADDN
Legal Block	2
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1015
Census Tract	100803

Owner

600 3rd St SW is owned and occupied by two individuals who bought it in July 2026.

Source: Wright County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 13, 2026	Warranty Deed, Transfer · Conventional Mortgage ETHOS LENDING
Mar 18, 2024	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Nov 28, 2023	Deed, Transfer THE TITLE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Mar 15, 2024 · Amount on File
Deed Document Number	20261607239
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 13, 2026
Property Address	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132
Document Number	0001607239
Instrument Date	Jul 10, 2026
Instrument	20261607239
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	ON-SITE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131,620.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132

Mortgage

Document Number	0001607240,
Date	Jul 13, 2026
Instrument	20261607240

Lender

Name	ETHOS LENDING

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Mar 18, 2024
Property Address	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132
Document Number	00A1549062
Instrument Date	Mar 15, 2024
Instrument	A1549062
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	THE TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.67
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	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132

Mortgage

Document Number	00A1549063
Date	Mar 18, 2024
Instrument	A1549063

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	00A1549064
Date	Mar 18, 2024
Instrument	A1549064

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 28, 2023
Property Address	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132
Document Number	00A1543202
Instrument Date	Nov 27, 2023
Instrument	A1543202
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	THE TITLE GROUP INC

Transaction

Amount	Amount on Record
Tax	$932.25
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 3RD ST SW, SAINT MICHAEL, MN 55376-9132

Tax Assessment & Valuation

The 2026 property tax bill for 600 3rd St SW was $4,100.

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	$4,100.00	$362,500 (+0.92%) Land $102,000 Building $260,500	$362,500 (+0.92%) Land $102,000 Building $260,500
2025		$359,200 Land $107,000 Building $252,200	$359,200 Land $107,000 Building $252,200
2023	$3,684.00 (+0.27%)	$350,700 Land $105,900 Building $244,800	$350,700 Land $105,900 Building $244,800
2022	$3,674.00

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

Flood

FEMA maps place 600 3rd St SW 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 600 3rd St SW is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon, Xtratyme Technologies.

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