4728 Ayers Rd, Saginaw, MN 55779 Property Records

St. Louis County property record for 4728 Ayers Rd, Saginaw, MN 55779

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,238 sqft · built 1940
Lot Size	1.99 acres (87,036 sqft)
Owner	2 Company Names on Record
Last Sale	$260,000 (Aug 2004)
Tax Bill	$4,516 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`380-0025-00180`

Property Details

APN / Parcel Number

Primary APN	`380-0025-00180`
Alternative APNs	`1179003` `766157`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,238 sqft Gross Area
1st Floor Area	1,238 sqft
Basement Area	304 sqft
Finished Basement	304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	87,036 sqft (1.99 acres)
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1179003
Street Address	4728 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: 0018 SERIAL #
Legal Subdivision	AYERS ACRES TOWN OF GRAND LAKE
Legal Lot Number	18
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 Company Names on Record
Mailing Address	4728 AYERS RD, SAGINAW, MN 55779-9768
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BK&TR
Oct 9, 2017	Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2004 · Amount on Record
Deed Sale	Aug 20, 2004 · Amount on Record
Deed Document Number	2004954123
Last Transfer Date	Feb 10, 2025
Transfer Doc	0001504994
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4728 AYERS RD, SAGINAW, MN 55779-9768
Document Number	00A1387530
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4728 AYERS RD SAGINAW MN 557799768, SAGINAW, MN 55779-9768

Mortgage

Document Number	00A1387530
Date	Aug 10, 2020
Instrument	A1387530

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 9, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4728 AYERS RD, SAGINAW, MN 55779-9768
Document Number	00A1326205
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4728 AYERS RD SAGINAW MN 557799768, SAGINAW, MN 55779-9768

Mortgage

Document Number	00A1326205
Date	Jan 19, 2018
Instrument	A1326205

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 18, 2023

Interest

Rate Type	Adjustable Rate

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	$4,516.00 (+0.85%) Homeowner's exemption
2025	$4,478.00 (+18.53%) Homeowner's exemption	$416,800 (-7.07%) Land $212,100 Building $204,700	$416,800 (-7.07%) Land $212,100 Building $204,700
2024	$3,778.00	$448,500 (+21.12%) Land $222,900 Building $225,600	$448,500 (+21.12%) Land $222,900 Building $225,600
2022		$370,300 Land $193,900 Building $176,400	$370,300 Land $193,900 Building $176,400

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 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 94% of the US · lower than 82% 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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