4470 Vermilion Trl, Gilbert, MN 55741 Property Records

St. Louis County property record for 4470 Vermilion Trl, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,540 sqft · built 1973
Lot Size	1.28 acres (55,812 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2020)
Tax Bill	$3,102 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`677-0019-00040`

Property Details

APN / Parcel Number

Primary APN	`677-0019-00040`
Alternative APN	`1093078`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,540 sqft Gross Area
1st Floor Area	1,540 sqft
Basement Area	532 sqft
Finished Basement	532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	55,812 sqft (1.28 acres)
Garage Area	2,296 sqft
Deck Area	332 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1093078
Street Address	4470 VERMILION TRL
City	GILBERT
State	MN
Zip	55741-8048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0004 BLOCK:000 SERIAL #
Legal Subdivision	BIRCH VIEW ACRES
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	MAKINEN
Census Block Group	1
Census Block	1001
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	4470 VERMILION TRL, GILBERT, MN 55741-8048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Warranty Deed, Transfer · Conventional Mortgage MINERS NAT'L BK/EVELETH
May 13, 2019	Deed of Trust, Mortgage NORTHRIDGE CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Prior Sale	Jan 22, 2010
Deed Document Number	20201385840
Prior Transfer Date	Nov 27, 2013
Prior Transfer Doc	0000939063
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 23, 2020
Property Address	4470 VERMILION TRL, GILBERT, MN 55741-8048
Document Number	00A1385840
Instrument Date	Jun 25, 2020
Instrument	A1385840
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4470 VERMILION TRL GILBERT MN 557418048, GILBERT, MN 55741-8048

Mortgage

Document Number	A1385841
Date	Jul 23, 2020
Instrument	A1385841

Lender

Name	MINERS NAT'L BK/EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4470 VERMILION TRL, GILBERT, MN 55741-8048
Document Number	00A1355364
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4470 VERMILION TRL GILBERT MN 557418048, GILBERT, MN 55741-8048

Mortgage

Document Number	00A1355364
Date	May 24, 2019
Instrument	A1355364

Lender

Name	NORTHRIDGE CMNTY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

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	$3,102.00 (+16.35%) Homeowner's exemption
2025	$2,666.00 (-5.46%) Homeowner's exemption	$328,300 (+9.95%) Land $24,700 Building $303,600	$328,300 (+9.95%) Land $24,700 Building $303,600
2024	$2,820.00	$298,600 (+40.72%) Land $23,000 Building $275,600	$298,600 (+40.72%) Land $23,000 Building $275,600
2022		$212,200 Land $19,600 Building $192,600	$212,200 Land $19,600 Building $192,600

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 94% of the US · lower than 82% 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 49 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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