4718 Ayers Rd, Saginaw, MN 55779 Property Records

St. Louis County property record for 4718 Ayers Rd, Saginaw, MN 55779

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,124 sqft · built 1992
Lot Size	0.916 acres (39,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jun 2025)
Tax Bill	$5,894 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380-0025-00160`

Property Details

APN / Parcel Number

Primary APN	`380-0025-00160`
Alternative APNs	`1091803` `1150069` `1184122`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,124 sqft Gross Area
1st Floor Area	1,622 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Metal
Construction Type	Frame
Lot Area	39,931 sqft (0.916 acres)
Garage Area	720 sqft

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Deck Area	80 sqft
Storage Building	140 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1184122
Street Address	4718 AYERS RD
City	SAGINAW
State	MN
Zip	55779-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 0016 SERIAL #
Legal Subdivision	AYERS ACRES TOWN OF GRAND LAKE
Legal Lot Number	16
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	2 Individual Names on Record
Mailing Address	4718 AYERS RD, SAGINAW, MN 55779-9768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed, Transfer · Conventional Mortgage LOW VA RATES LLC
Jul 1, 2020	Quit Claim Deed, Transfer ASSOCIATED BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2025 · Amount on Record
Deed Sale	Jun 27, 2025 · Amount on Record
Prior Sale	Jun 20, 2023 · Amount on Record
Deed Document Number	20251512877
Prior Transfer Date	May 20, 2020
Prior Transfer Doc	0001384094
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 20, 2023
Property Address	4718 AYERS RD, SAGINAW, MN 55779-9768
Document Number	0001468309
Instrument Date	May 31, 2023
Instrument	1468309
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,914.00
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	4718 AYERS RD, SAGINAW, MN 55779-9768

Mortgage

Document Number	0001468312
Date	Jun 20, 2023
Instrument	1468312

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 1, 2020
Property Address	4718 AYERS RD, SAGINAW, MN 55779-9768
Document Number	00A1384094
Instrument Date	May 20, 2020
Instrument	A1384094
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	ACCURATE GROUP

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4718 AYERS RD SAGINAW MN 557799768, SAGINAW, MN 55779-9768

Mortgage

Document Number	A1384095
Date	Jul 1, 2020
Instrument	A1384095

Lender

Name	ASSOCIATED BK
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

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	$5,894.00 (-0.3%) Homeowner's exemption
2025	$5,912.00 (+21.25%) Homeowner's exemption	$554,600 (-2.74%) Land $172,100 Building $382,500	$554,600 (-2.74%) Land $172,100 Building $382,500
2024	$4,876.00 (-1.1%)	$570,200 (+30.24%) Land $172,100 Building $398,100	$570,200 (+30.24%) Land $172,100 Building $398,100
2023	$4,930.00 Homeowner's exemption
2022		$437,800 (+18.58%) Land $103,800 Building $334,000	$437,800 (+18.58%) Land $103,800 Building $334,000
2021		$369,200 Land $87,900 Building $281,300	$369,200 Land $87,900 Building $281,300

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 500 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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 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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