4634 E Raymond Rd, Gilbert, MN 55741 Property Records

St. Louis County property record for 4634 E Raymond Rd, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,632 sqft · built 1985
Lot Size	1 acres (43,923 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Aug 2004)
Tax Bill	$5,234 (2026)
Deeds & Mortgages	Apr 2021 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`677-0040-00150`

Property Details

APN / Parcel Number

Primary APN	`677-0040-00150`
Alternative APN	`768035`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,632 sqft Gross Area
1st Floor Area	432 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	43,923 sqft (1 acres)
Garage Area	1,512 sqft

Exterior Amenities

Deck Area	128 sqft
Storage Building	80 sqft
Sauna	Sauna
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	768035
Street Address	4634 E RAYMOND RD
City	GILBERT
State	MN
Zip	55741-8040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOTS 15 16 & 17 SERIAL #
Legal Subdivision	RIKALA BEACH
Legal Lot Number	15-17
Jurisdiction	ST LOUIS MN
Township / Civil Division	MAKINEN
Census Block Group	1
Census Block	1004
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	4634 E RAYMOND RD, GILBERT, MN 55741-8040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHOICE FINANCIAL GROUP
May 5, 2017	Deed of Trust, Mortgage PRIME LNDG
Jan 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2004 · Amount on Record
Deed Sale	Aug 19, 2004 · Amount on Record
Deed Document Number	2004954061
Last Transfer Date	Jan 2, 2020
Transfer Doc	0001370677
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4634 E RAYMOND RD, GILBERT, MN 55741-8040
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001408900
Date	Apr 1, 2021
Instrument	1408900

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4634 E RAYMOND RD, GILBERT, MN 55741-8040
Document Number	00A1309311
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4634 E RAYMOND RD GILBERT MN 557418040, GILBERT, MN 55741-8040

Mortgage

Document Number	00A1309311
Date	May 16, 2017
Instrument	A1309311

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 2, 2020
Property Address	4634 E RAYMOND RD, GILBERT, MN 55741-8040
Document Number	00A1370655
Instrument Date	Apr 21, 2015
Instrument	A1370655
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4634 E RAYMOND RD GILBERT MN 557418040, GILBERT, MN 55741-8040

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	$5,234.00 (+6.34%) Homeowner's exemption
2025	$4,922.00 (-1.12%) Homeowner's exemption	$497,200 (+3.11%) Land $139,900 Building $357,300	$497,200 (+3.11%) Land $139,900 Building $357,300
2024	$4,978.00	$482,200 (+12.27%) Land $135,800 Building $346,400	$482,200 (+12.27%) Land $135,800 Building $346,400
2022		$429,500 Land $119,600 Building $309,900	$429,500 Land $119,600 Building $309,900

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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 43 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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