4394 Lost Lake Rd, Gilbert, MN 55741 Property Records

St. Louis County property record for 4394 Lost Lake Rd, Gilbert, MN 55741

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 1 ba · 1,248 sqft · built 1970
Lot Size	5.68 acres (247,421 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Sep 2021)
Tax Bill	$1,712 (2026)
Deeds & Mortgages	May 2021 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`677-0012-00410`

Property Details

APN / Parcel Number

Primary APN	`677-0012-00410`
Alternative APN	`1116836`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Gross Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Modular
Exterior Material	Wood
Construction Type	Frame
Lot Area	247,421 sqft (5.68 acres)
Garage Area	1,040 sqft

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	20 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1116836
Street Address	4394 LOST LAKE RD
City	GILBERT
State	MN
Zip	55741-8034
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	THAT PART OF NW1/4 OF SW1/4 DESC AS FOLLOWS:COMMENCING AT THE W QUARTER CORNER OF SEC 11,TWP 57, RGE 16; THENCE SLY 234.4 FT
Legal Range	16W
Legal Township	57N
Legal Section	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	MAKINEN
Census Block Group	1
Census Block	1043
Census Tract	11401

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	4394 LOST LAKE RD, GILBERT, MN 55741-8034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Sep 14, 2021	Warranty Deed, Transfer · VA Mortgage PREMIER LENDING ALLIANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Sep 26, 2014 · Amount on Record
Deed Document Number	20211046665
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4394 LOST LAKE RD, GILBERT, MN 55741-8034
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001040853
Date	May 19, 2021
Instrument	1040853

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Jun 1, 2033

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 14, 2021
Property Address	4394 LOST LAKE RD, GILBERT, MN 55741-8034
Document Number	0001046665
Instrument Date	Aug 16, 2021
Instrument	1046665
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$560.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4394 LOST LAKE RD, GILBERT, MN 55741-8034

Mortgage

Document Number	0001046666
Date	Sep 14, 2021
Instrument	1046666

Lender

Name	PREMIER LENDING ALLIANCE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,712.00 (+19.55%) Homeowner's exemption
2025	$1,432.00 (-12.47%) Homeowner's exemption	$214,500 (+9.83%) Land $38,600 Building $175,900	$214,500 (+9.83%) Land $38,600 Building $175,900
2024	$1,636.00	$195,300 (+25.92%) Land $35,400 Building $159,900	$195,300 (+25.92%) Land $35,400 Building $159,900
2022		$155,100 Land $29,200 Building $125,900	$155,100 Land $29,200 Building $125,900

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 66% of the US · above 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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