4712 Dow Rd, Saginaw, MN 55779 Property Records

St. Louis County property record for 4712 Dow Rd, Saginaw, MN 55779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,098 sqft · built 1994
Lot Size	1.49 acres (65,094 sqft)
Owner	Individual Name on Record
Last Sale	$415,151 (Sep 2021)
Tax Bill	$6,874 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`380-0096-00070`

Property Details

APN / Parcel Number

Primary APN	`380-0096-00070`
Alternative APN	`1116297`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,098 sqft Gross Area
1st Floor Area	1,678 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Frame
Lot Area	65,094 sqft (1.49 acres)
Garage Area	1,536 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	258 sqft
Storage Building	200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1116297
Street Address	4712 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: 0007 SERIAL #
Legal Subdivision	GRIGGS 2ND ADD TO GRAND LAKE
Legal Lot Number	7
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	4712 DOW RD, SAGINAW, MN 55779-9769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 5, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Jul 30, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	20211046292
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 3, 2021
Property Address	4712 DOW RD, SAGINAW, MN 55779-9769
Document Number	0001046292
Instrument Date	Aug 27, 2021
Instrument	1046292
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,369.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4712 DOW RD, SAGINAW, MN 55779-9769

Mortgage

Document Number	0001046293
Date	Sep 3, 2021
Instrument	1046293

Lender

Name	US BANK NA
Type	Bank

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4712 DOW RD, SAGINAW, MN 55779-9769
Document Number	00T1027651
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4712 DOW RD SAGINAW MN 557799769, SAGINAW, MN 55779-9769

Mortgage

Document Number	00T1027651
Date	Aug 19, 2020
Instrument	T1027651

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 30, 2018
Property Address	4712 DOW RD, SAGINAW, MN 55779-9769
Document Number	00A1000796
Instrument Date	Jul 23, 2018
Instrument	A1000796
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$989.67
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	4712 DOW RD SAGINAW MN 557799769, SAGINAW, MN 55779-9769

Mortgage

Document Number	A1000797
Date	Jul 30, 2018
Instrument	A1000797

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

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	$6,874.00 (-1.07%) Homeowner's exemption
2025	$6,948.00 (+42.73%) Homeowner's exemption	$629,300 (-3.89%) Land $79,000 Building $550,300	$629,300 (-3.89%) Land $79,000 Building $550,300
2024	$4,868.00	$654,800 (+49.36%) Land $79,000 Building $575,800	$654,800 (+49.36%) Land $79,000 Building $575,800
2022		$438,400 Land $58,100 Building $380,300	$438,400 Land $58,100 Building $380,300

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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