4504 Apple Tree Rd, Gilbert, MN 55741 Property Records

St. Louis County property record for 4504 Apple Tree Rd, Gilbert, MN 55741

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,236 sqft · built 1978
Lot Size	12 acres (523,308 sqft)
Owner	Individual Name on File
Tax Bill	$2,640 (2026)
Deeds & Mortgages	May 2026 Line of Credit Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`677-0041-00050`

Property Details

APN / Parcel Number

Primary APN	`677-0041-00050`
Alternative APN	`81369`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,236 sqft Gross Area
1st Floor Area	1,236 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Modular
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	523,308 sqft (12 acres)
Garage Area	2,076 sqft

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Deck Area	66 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	81369
Street Address	4504 APPLE TREE RD
City	GILBERT
State	MN
Zip	55741-8000
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	RES
Legal Description	TRACT E SERIAL #
Legal Subdivision	RLS 56
Legal Tract	E
Jurisdiction	ST LOUIS MN
Township / Civil Division	MAKINEN
Census Block Group	1
Census Block	1007
Census Tract	11401

Owner

4504 Apple Tree Rd, a residential property, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4504 APPLE TREE RD, GILBERT, MN 55741-8000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
May 27, 2026	Deed of Trust, Mortgage · Line of Credit U S BANK N A
Dec 18, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 27, 2026
Property Address	4504 APPLE TREE RD, GILBERT, MN 55741-8000
Document Number	0001101892
Instrument Date	Apr 27, 2026
Instrument	20261101892
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4504 APPLE TREE RD, GILBERT, MN 55741-8000

Mortgage

Document Number	0001101892,
Date	May 27, 2026
Instrument	20261101892

Lender

Name	U S BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4504 APPLE TREE RD, GILBERT, MN 55741-8000
Document Number	000T994161
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4504 APPLE TREE RD GILBERT MN 557418000, GILBERT, MN 55741-8000

Mortgage

Document Number	000T994161
Date	Jan 12, 2018
Instrument	T994161

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4504 Apple Tree Rd was $2,640 with a homeowner's exemption, up 17.1% from the year before.

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	$2,640.00 (+17.13%) Homeowner's exemption
2025	$2,254.00 (-6.55%) Homeowner's exemption	$290,500 (+1%) Land $47,500 Building $243,000	$290,500 (+1%) Land $47,500 Building $243,000
2024	$2,412.00	$264,100 Land $43,400 Building $220,700	$264,100 Land $43,400 Building $220,700
2022		$209,500 Land $35,300 Building $174,200	$209,500 Land $35,300 Building $174,200

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

Flood

FEMA maps place 4504 Apple Tree Rd 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 4504 Apple Tree Rd is low, with a 0.02% annual chance of 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	0.02% 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 9 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

Nearby Properties on Apple Tree Rd

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