Wright County property record for 9348 Kaeding Cir NE, Otsego, MN 55362
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,493 sqft · built 2005 |
| Lot Size | 0.114 acres (4,983 sqft) |
| Owner | Individual Name on File |
| Last Sale | $318,000 (Apr 2018) |
| Tax Bill | $4,260 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 118-190-001060 |
| Primary APN | 118-190-001060 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,493 sqft Living Area |
| 1st Floor Area | 1,493 sqft |
| Basement Area | 1,201 sqft |
| Finished Basement | 1,201 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Wood Shingle |
| Lot Area | 4,983 sqft (0.114 acres) |
| Garage Type | Attached |
| Garage Area | 522 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 122 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 9348 KAEDING CIR NE |
|---|---|
| City | MONTICELLO |
| State | MN |
| Zip | 55362-4542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-14 TWP-121 RANGE-024 RIVERWOOD NATIONAL LOT-006 BLOCK-001 01 |
| Legal Range | 024 |
| Legal Township | 121 |
| Legal Section | 14 |
| Legal Subdivision | RIVERWOOD NATIONAL |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | OTSEGO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 100102 |
9348 Kaeding Cir NE is owned and occupied by an individual who bought it in April 2018.
Source: Wright County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9348 KAEDING CIR NE, MONTICELLO, MN 55362-4542 |
| 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.
| Date | Document |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Dec 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK |
| May 29, 2018 | Quit Claim Deed, Transfer PARTNERS TITLE |
| Apr 19, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage RAINY DAY FUNDING LLC |
| Apr 19, 2018 | Affidavit of Death, Transfer REGISTERED ABSTRACTERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2018 · Amount on File |
| Deed Sale | Apr 19, 2018 · Amount on File |
| Prior Sale | Jan 9, 2009 · Amount on File |
| Deed Document Number | 20181368293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 9348 KAEDING CIR NE, OTSEGO, MN 55362-4542 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Title Company | PARTNERS TITLE-EDINA, PARTNERS TITLE RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0001486040 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 1486040 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 9348 KAEDING CIR NE, OTSEGO, MN 55362-4542 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | PARTNERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001414022 |
|---|---|
| Date | Dec 19, 2019 |
| Instrument | 1414022 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 9348 KAEDING CIR NE, OTSEGO, MN 55362-4542 |
| Document Number | 0001435950 |
| Instrument Date | Jul 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | CONCIERGE TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9348 KAEDING CIR NE MONTICELLO MN 553624542, MONTICELLO, MN 55362-4542 |
| Document Number | 0001435950 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 1435950 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 5, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 29, 2018 |
| Property Address | 9348 KAEDING CIR NE, OTSEGO, MN 55362-4542 |
| Document Number | 0001371058 |
| Instrument Date | May 21, 2018 |
| Instrument | 1371058 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | PARTNERS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9348 KAEDING CIR NE, MONTICELLO, MN 55362-4542 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Apr 19, 2018 |
| Property Address | 9348 KAEDING CIR NE, OTSEGO, MN 55362-4542 |
| Instrument Date | Apr 17, 2018 |
| Instrument | 1368294 |
| Transaction Type | Construction Loan |
| Record Updated | May 21, 2018 |
| Title Company | REGISTERED ABSTRACTERS |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0001368294 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 1368294 |
| Name | RAINY DAY FUNDING LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 18, 2019 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Apr 19, 2018 |
| Property Address | 9348 KAEDING CIR NE, OTSEGO, MN 55362-4542 |
| Document Number | 0001368291 |
| Instrument Date | Apr 17, 2018 |
| Instrument | 1368291 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2018 |
| Title Company | REGISTERED ABSTRACTERS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14071 MALLARD TRL ROGERS MN 553748990, ROGERS, MN 55374-8990 |
The 2026 property tax bill for 9348 Kaeding Cir NE was $4,260.
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Wright County |
| Municipality | Otsego City |
| Unified School District | Monticello Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,260.00 | $424,700 (-3.39%) Land $85,000 Building $339,700 | $424,700 (-3.39%) Land $85,000 Building $339,700 |
| 2025 | $439,600 Land $95,000 Building $344,600 | $439,600 Land $95,000 Building $344,600 | |
| 2023 | $3,942.00 (+11.1%) | $451,000 Land $102,000 Building $349,000 | $451,000 Land $102,000 Building $349,000 |
| 2022 | $3,548.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9348 Kaeding Cir NE 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 | 1 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 risk around 9348 Kaeding Cir NE 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 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Otsego serves 19,000 people · EPA ID MN1860026 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| TDS Telecom Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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