608 Ridge Dr SE, Saint Michael, MN 55376 Property Records

Wright County property record for 608 Ridge Dr SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 995 sqft · built 1986
Lot Size	0.232 acres (10,134 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (May 2026)
Tax Bill	$3,224 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-040-001030`

Property Details

APN / Parcel Number

Primary APN	`114-040-001030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	4 Stories
Building Area	995 sqft Living Area
1st Floor Area	1,033 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	10,134 sqft (0.232 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	608 RIDGE DR SE
City	SAINT MICHAEL
State	MN
Zip	55376-1073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-120 RANGE-024 EDGEWOOD 8TH ADDN LOT-003 BLOCK-001 1
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	EDGEWOOD 8TH ADDN
Legal Block	1
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4023
Census Tract	100805

Owner

608 Ridge Dr SE is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST CLASS MORTGAGE V INC
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CLASS MORTGAGE V INC
Nov 30, 2017	Deed of Trust, Mortgage · Conventional with PMI FIRST CLASS MTG
Apr 5, 2017	Warranty Deed, Transfer LIBERTY TITLE
Apr 5, 2017	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on File
Deed Sale	May 13, 2026 · Amount on File
Prior Sale	Apr 5, 2017 · Amount on File
Deed Document Number	20261602491
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 13, 2026
Property Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073
Document Number	0001602491
Instrument Date	Apr 10, 2026
Instrument	2026.1602491
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073

Mortgage

Document Number	0001602492,
Date	May 13, 2026
Instrument	2026.1602492

Lender

Name	FIRST CLASS MORTGAGE V INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	EXECUTIVE TITLE-TAYLOR, EXECUTIVE TITLE TAYLOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001471166
Date	May 24, 2021
Instrument	1471166

Lender

Name	FIRST CLASS MORTGAGE V INC
Type	Mortgage Company
Address	OSSEO, MN 55369

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073
Document Number	0001359770
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018
Title Company	EXECUTIVE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	608 RIDGE DR SE ST MICHAEL MN 553761073, ST MICHAEL, MN 55376-1073

Mortgage

Document Number	0001359770
Date	Dec 8, 2017
Instrument	1359770

Lender

Name	FIRST CLASS MTG
Type	Mortgage Company
Address	MAPLE GROVE, MN 55369

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 5, 2017
Property Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073
Document Number	0001340515
Instrument Date	Mar 31, 2017
Instrument	1340515
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$556.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	608 RIDGE DR SE ST MICHAEL MN 553761073, ST MICHAEL, MN 55376-1073

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 5, 2017
Property Address	608 RIDGE DR SE, SAINT MICHAEL, MN 55376-1073
Document Number	0001340514
Instrument Date	Mar 31, 2017
Instrument	1340514
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$462.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 RIDGE DR SE ST MICHAEL MN 553761073, ST MICHAEL, MN 55376-1073

Tax Assessment & Valuation

The 2026 property tax bill for 608 Ridge Dr SE was $3,224.

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	$3,224.00	$298,300 (+2.79%) Land $105,000 Building $193,300	$298,300 (+2.79%) Land $105,000 Building $193,300
2025		$290,200 Land $107,000 Building $183,200	$290,200 Land $107,000 Building $183,200
2023	$3,068.00 (+10.36%)	$282,900 Land $105,900 Building $177,000	$282,900 Land $105,900 Building $177,000
2022	$2,780.00

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

Flood

FEMA maps place 608 Ridge Dr SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 608 Ridge Dr SE 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, GigFire, Verizon.

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