309 Michigan Ave W, Gilbert, MN 55741 Property Records

St. Louis County property record for 309 Michigan Ave W, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1953
Lot Size	0.165 acres (7,203 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Jun 2018)
Tax Bill	$732 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-0010-05110`

Property Details

APN / Parcel Number

Primary APN	`060-0010-05110`
Alternative APN	`1083468`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	720 sqft
Finished Basement	720 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	7,203 sqft (0.165 acres)
Garage Area	616 sqft
Deck Area	224 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1083468
Street Address	309 MICHIGAN AVE W
City	GILBERT
State	MN
Zip	55741-5141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 AND 5 INC LOTS 4 AND 5 BLK 23 2NDADDITION SERIAL #
Legal Subdivision	GILBERT
Legal Block	23
Legal Lot Number	4-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	GILBERT
Census Block Group	2
Census Block	2041
Census Tract	13500

Owner

Source: St. Louis County records, as of August 17, 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	309 MICHIGAN AVE W, GILBERT, MN 55741-5141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 4, 2018	Deed of Trust, Mortgage LEND SMART MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Nov 3, 2015 · Amount on Record
Deed Document Number	20181334425
Prior Transfer Date	Jan 7, 2010
Prior Transfer Doc	0001127114
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	309 MICHIGAN AVE W, GILBERT, MN 55741-5141
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001439485
Date	Mar 21, 2022
Instrument	1439485

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	309 MICHIGAN AVE W, GILBERT, MN 55741-5141
Document Number	00A1334426
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 29, 2018
Title Company	ALL AMERICA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	309 MICHIGAN AVE W GILBERT MN 557415141, GILBERT, MN 55741-5141

Mortgage

Document Number	00A1334426
Date	Jun 12, 2018
Instrument	A1334426

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Gilbert City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$732.00 (+5.48%) Homeowner's exemption
2025	$694.00 (-34.9%) Homeowner's exemption	$116,700 (+25.89%) Land $10,300 Building $106,400	$116,700 (+25.89%) Land $10,300 Building $106,400
2024	$1,066.00	$92,700 (+15.3%) Land $8,200 Building $84,500	$92,700 (+15.3%) Land $8,200 Building $84,500
2022		$80,400 Land $6,800 Building $73,600	$80,400 Land $6,800 Building $73,600

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 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

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

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	Gilbert serves 1,829 people · EPA ID MN1690020
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

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. This system sells water to local utilities; the supplier billing this address may be one of them.

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)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CTC.

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