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

Wright County property record for 920 Ridge Dr SE, Saint Michael, MN 55376

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 918 sqft · built 1980
Lot Size	0.152 acres (6,651 sqft)
Owner	Individual Name on File
Last Sale	$149,247 (Aug 2004)
Tax Bill	$1,864 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`114-014-001070`

Property Details

APN / Parcel Number

Primary APN	`114-014-001070`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	918 sqft Living Area
1st Floor Area	918 sqft
Basement Area	72 sqft
Finished Basement	72 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	6,651 sqft (0.152 acres)
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Storage Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	920 RIDGE DR SE
City	SAINT MICHAEL
State	MN
Zip	55376-1076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-120 RANGE-024 EDGEWOOD 2ND ADDN LOT-007 BLOCK-001 TH PRT OF LT7 BLK1 WH LIES WLY OF LN DES COM SW COR TH N89D3545
Legal Range	024
Legal Township	120
Legal Section	13
Legal Subdivision	EDGEWOOD 2ND ADD
Legal Block	1,1
Legal Lot Number	7
Jurisdiction	WRIGHT MN
Township / Civil Division	ST. MICHAEL
Census Block Group	4
Census Block	4006
Census Tract	100805

Owner

920 Ridge Dr SE is owned and occupied by an individual who bought it in August 2004.

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

Owner of Record	Individual Name on File
Mailing Address	920 RIDGE DR SE, SAINT MICHAEL, MN 55376-1076
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
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Mar 15, 2019	Deed of Trust, Mortgage SPIRE CU
Dec 29, 2016	Deed of Trust, Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2004 · Amount on File
Deed Sale	Aug 25, 2004 · Amount on File
Prior Sale	Feb 10, 2003 · Amount on File
Deed Document Number	200491333
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	920 RIDGE DR SE, SAINT MICHAEL, MN 55376-1076
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	US TITLE, CU TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1500201
Date	Mar 3, 2022
Instrument	A1500201

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	920 RIDGE DR SE, SAINT MICHAEL, MN 55376-1076
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	C U TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001391730
Date	Mar 15, 2019
Instrument	1391730

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Amount	Amount on Record
Term	59 Months
Due	Feb 25, 2024

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	920 RIDGE DR SE, SAINT MICHAEL, MN 55376-1076
Document Number	0001334199
Instrument Date	Dec 29, 2016
Transaction Type	Mortgage
Record Updated	Feb 23, 2017
Title Company	REGIS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 RIDGE DR SE ST MICHAEL MN 553761076, ST MICHAEL, MN 55376-1076

Mortgage

Document Number	0001334199
Date	Jan 9, 2017
Instrument	1334199

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 8, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 920 Ridge Dr SE was $1,864.

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	$1,864.00	$188,100 (+2.79%) Land $45,000 Building $143,100	$188,100 (+2.79%) Land $45,000 Building $143,100
2025		$183,000 Land $46,000 Building $137,000	$183,000 Land $46,000 Building $137,000
2023	$1,773.00 (+14.39%)	$175,600 Land $45,400 Building $130,200	$175,600 Land $45,400 Building $130,200
2022	$1,550.00

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

Flood

FEMA maps place 920 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 920 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: CenturyLink, GigFire, T-Mobile.

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