604 4th St SW, Saint Michael, MN 55376 Property Records

Wright County property record for 604 4th St SW, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,198 sqft · built 1993
Lot Size	0.289 acres (12,593 sqft)
Owner	Individual Name on Record
Last Sale	$389,900 (Jun 2026)
Tax Bill	$3,936 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-057-002040`

Property Details

APN / Parcel Number

Primary APN	`114-057-002040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	1,198 sqft Living Area
1st Floor Area	1,198 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,593 sqft (0.289 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	144 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 4TH ST SW
City	SAINT MICHAEL
State	MN
Zip	55376-9626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-14 TWP-120 RANGE-024 ZAHLERS 5TH ADDN LOT-004 BLOCK-002 2
Legal Range	024
Legal Township	120
Legal Section	14
Legal Subdivision	ZAHLERS 5TH ADDN
Legal Block	2
Legal Lot Number	4
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1014
Census Tract	100803

Owner

Source: Wright County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
May 31, 2023	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE CORP
Feb 8, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 6, 2019	Warranty Deed, Transfer · VA Mortgage MID-AMERICAN MORTGAGE INC
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit HIGHLAND BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	May 25, 2023 · Amount on Record
Deed Document Number	20261606150
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 30, 2026
Property Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626
Document Number	0001606150
Instrument Date	Jun 25, 2026
Instrument	20261606150
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$129,953.67
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	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626

Mortgage

Document Number	0001606151,
Date	Jun 30, 2026
Instrument	20261606151

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 31, 2023
Property Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626
Document Number	00A1531610
Instrument Date	May 25, 2023
Instrument	A1531610
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	TITLESMART INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626

Mortgage

Document Number	00A1531611
Date	May 31, 2023
Instrument	A1531611

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	00A1531612
Date	May 31, 2023
Instrument	A1531612

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55442

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	DELANO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001458095
Date	Feb 8, 2021
Instrument	1458095

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 6, 2019
Property Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626
Document Number	0001404838
Instrument Date	Jul 31, 2019
Instrument	1404838
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$867.90
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	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626

Mortgage

Document Number	0001404839
Date	Sep 6, 2019
Instrument	1404839

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	604 4TH ST SW, SAINT MICHAEL, MN 55376-9626
Document Number	0001340129
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017
Title Company	PARTNERS TITLE COMPANY, PARTNERS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 4TH ST SW ST MICHAEL MN 553769626, ST MICHAEL, MN 55376-9626

Mortgage

Document Number	0001340129
Date	Mar 30, 2017
Instrument	1340129

Lender

Name	HIGHLAND BK
Type	Bank
Address	BLOOMINGTON, MN 55437

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 29, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,936.00 (+11.5%)	$354,500 (+2.4%) Land $102,000 Building $252,500	$354,500 (+2.4%) Land $102,000 Building $252,500
2025		$346,200 (+5.16%) Land $102,000 Building $244,200	$346,200 (+5.16%) Land $102,000 Building $244,200
2023	$3,530.00 (+6.97%)	$329,200 (+4.21%) Land $98,300 Building $230,900	$329,200 (+4.21%) Land $98,300 Building $230,900
2022	$3,300.00 Homeowner's exemption	$315,900 Land $91,000 Building $224,900	$315,900 Land $91,000 Building $224,900

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

Flood

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

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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