18 Garden Cir, Babbitt, MN 55706 Property Records

St. Louis County property record for 18 Garden Cir, Babbitt, MN 55706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1954
Lot Size	0.206 acres (9,004 sqft)
Owner	Individual Name on File
Last Sale	$47,500 (May 2018)
Tax Bill	$474 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-0010-01600`

Property Details

APN / Parcel Number

Primary APN	`105-0010-01600`
Alternative APN	`1051419`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	912 sqft Gross Area
1st Floor Area	912 sqft
Basement Area	228 sqft
Finished Basement	228 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,004 sqft (0.206 acres)
Garage Area	648 sqft
Deck Area	64 sqft
Storage Building	90 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1051419
Street Address	18 GARDEN CIR
City	BABBITT
State	MN
Zip	55706-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0028 BLOCK:007 SERIAL #
Legal Subdivision	BABBITT 1ST DIV CITY OF BABBIT
Legal Block	7
Legal Lot Number	28
Jurisdiction	ST LOUIS MN
Township / Civil Division	BABBITT
Census Block Group	1
Census Block	1018
Census Tract	14100

Owner

18 Garden Cir is owned and occupied by an individual who acquired it in January 2023.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	18 GARDEN CIR, BABBITT, MN 55706-1226
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 8, 2023	Deed of Trust, Mortgage ELY AREA CU
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit FRANDSEN BANK & TRUST
May 25, 2018	Warranty Deed, Transfer · Line of Credit FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on File
Deed Sale	May 25, 2018 · Amount on File
Prior Sale	Jul 22, 2013 · Amount on File
Deed Document Number	20181333451
Last Transfer Date	Jan 18, 2023
Transfer Doc	0001460485
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	18 GARDEN CIR, BABBITT, MN 55706-1226
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 GARDEN CIR, BABBITT, MN 55706-1226

Mortgage

Document Number	0001473603
Date	Sep 8, 2023
Instrument	1473603

Lender

Name	ELY AREA CU
Type	Credit Union
Address	ELY, MN 55731

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2038

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	18 GARDEN CIR, BABBITT, MN 55706-1226
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001461482
Date	Feb 7, 2023
Instrument	1461482

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 25, 2018
Property Address	18 GARDEN CIR, BABBITT, MN 55706-1226
Document Number	00A1333451
Instrument Date	May 15, 2018
Instrument	A1333451
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 GARDEN CIR BABBITT MN 557061226, BABBITT, MN 55706-1226

Mortgage

Document Number	A1333452
Date	May 25, 2018
Instrument	A1333452

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 24, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 18 Garden Cir was $474 with a homeowner's exemption, up 32.4% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Babbitt City
County	St. Louis County
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$474.00 (+32.4%) Homeowner's exemption
2025	$358.00 (-61.34%) Homeowner's exemption	$92,600 (+25.47%) Land $5,900 Building $86,700	$92,600 (+25.47%) Land $5,900 Building $86,700
2024	$926.00	$73,800 Land $5,900 Building $67,900	$73,800 Land $5,900 Building $67,900
2022		$53,700 Land $5,200 Building $48,500	$53,700 Land $5,200 Building $48,500

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

Flood

FEMA maps place 18 Garden Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

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 18 Garden Cir is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	Babbitt serves 1,379 people · EPA ID MN1690003
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Zito Media Fiber	1,000 / 1,000

May also be available: CTC.

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