4706 Dow Rd, Saginaw, MN 55779 Property Records

St. Louis County property record for 4706 Dow Rd, Saginaw, MN 55779

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,584 sqft · built 1983
Lot Size	1.49 acres (65,156 sqft)
Owner	Individual Name on Record
Tax Bill	$3,274 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2018 Loan Modification
Flood Zone	Zone A (high risk)
APN	`380-0096-00080`

Property Details

APN / Parcel Number

Primary APN	`380-0096-00080`
Alternative APN	`76260`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,584 sqft Gross Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	65,156 sqft (1.49 acres)
Garage Area	1,248 sqft

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	18 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	76260
Street Address	4706 DOW RD
City	SAGINAW
State	MN
Zip	55779-9769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 0008 BLOCK:000 SERIAL #
Legal Subdivision	GRIGGS 2ND ADD TO GRAND LAKE
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	GRAND LAKE
Census Block Group	2
Census Block	2009
Census Tract	11102

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	4706 DOW RD, SAGINAW, MN 55779-9769
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Aug 24, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4706 DOW RD, SAGINAW, MN 55779-9769
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4706 DOW RD, SAGINAW, MN 55779-9769

Mortgage

Document Number	0001056020
Date	Apr 28, 2022
Instrument	1056020

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Oct 1, 2048

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	4706 DOW RD, SAGINAW, MN 55779-9769
Document Number	00A1003551
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4706 DOW RD SAGINAW MN 557799769, SAGINAW, MN 55779-9769

Mortgage

Document Number	00A1003551
Date	Oct 8, 2018
Instrument	A1003551

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Grand Lake Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,274.00 (-0.73%) Homeowner's exemption
2025	$3,298.00 (+37.07%) Homeowner's exemption	$328,500 (-3.27%) Land $59,000 Building $269,500	$328,500 (-3.27%) Land $59,000 Building $269,500
2024	$2,406.00	$339,600 (+61.79%) Land $59,000 Building $280,600	$339,600 (+61.79%) Land $59,000 Building $280,600
2022		$209,900 Land $38,500 Building $171,400	$209,900 Land $38,500 Building $171,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2009–2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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