601 3rd St SW, Saint Michael, MN 55376 Property Records

Wright County property record for 601 3rd St SW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,789 sqft · built 1997
Lot Size	0.32 acres (13,965 sqft)
Owner	2 Individual Names on File
Last Sale	$212,500 (May 2003)
Tax Bill	$4,174 (2026)
Deeds & Mortgages	Sep 2020 Second Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-064-001040`

Property Details

APN / Parcel Number

Primary APN	`114-064-001040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,789 sqft Living Area
1st Floor Area	1,173 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2006
Architectural Style	Modular
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,965 sqft (0.32 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	21 sqft
Patio Area	432 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	601 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-001 1
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	ZAHLERS 6TH ADDN
Legal Block	1
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1014
Census Tract	100803

Owner

601 3rd St SW is owned and occupied by two individuals who bought it in May 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	601 3RD ST SW, SAINT MICHAEL, MN 55376-9132
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
Sep 25, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HIWAY FCU
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2003 · Amount on File
Deed Sale	May 23, 2003 · Amount on File
Prior Sale	Mar 26, 1998 · Amount on File
Deed Document Number	200384083
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	601 3RD ST SW, SAINT MICHAEL, MN 55376-9132
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001441649
Date	Sep 25, 2020
Instrument	1441649

Lender

Name	HIWAY FCU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	1-Year CMT
Max Rate	14%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	601 3RD ST SW, SAINT MICHAEL, MN 55376-9132
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001493478
Date	Dec 15, 2021
Instrument	1493478

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 601 3rd St SW was $4,174.

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	$4,174.00	$378,600 (+3.73%) Land $102,000 Building $276,600	$378,600 (+3.73%) Land $102,000 Building $276,600
2025		$365,000 Land $102,000 Building $263,000	$365,000 Land $102,000 Building $263,000
2023	$3,774.00 (+3.91%)	$354,600 Land $98,300 Building $256,300	$354,600 Land $98,300 Building $256,300
2022	$3,632.00

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

Flood

FEMA maps place 601 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 601 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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