St. Louis County property record for 4728 Dow Rd, Saginaw, MN 55779
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.09 acres (47,551 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Dec 2025) |
| Tax Bill | $260 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Sep 2022 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 380-0096-00010 |
| Primary APN | 380-0096-00010 |
|---|---|
| Alternative APNs |
|
| Lot Area | 47,551 sqft (1.09 acres) |
|---|
| Account Number | 1191922 |
|---|---|
| Street Address | 4728 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 1 SERIAL # |
| Legal Subdivision | GRIGGS 2ND ADD TO GRAND LAKE |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GRAND LAKE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 11102 |
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 | 4728 DOW RD, SAGINAW, MN 55779-9769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 8, 2025 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST |
| Sep 2, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on Record |
| Deed Sale | Dec 8, 2025 · Amount on Record |
| Prior Sale | Aug 11, 2016 · Amount on Record |
| Deed Document Number | 20251096912 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 8, 2025 |
| Property Address | 4728 DOW RD, SAGINAW, MN 55779-9769 |
| Document Number | 0001096912 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 1096912 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,567.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4728 DOW RD, SAGINAW, MN 55779-9769 |
| Document Number | 0001096913 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 1096913 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | NEW ULM, MN 56073 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4728 DOW RD, SAGINAW, MN 55779-9769 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0001060796 |
|---|---|
| Date | Sep 2, 2022 |
| Instrument | 1060796 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 24, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Grand Lake Township |
| Unified School District | Proctor Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $260.00 (+3.17%) Homeowner's exemption | ||
| 2025 | $252.00 (+31.25%) Homeowner's exemption | $25,100 (-) Land $25,100 | $25,100 (-) Land $25,100 |
| 2024 | $192.00 | $25,100 (+100.8%) Land $25,100 | $25,100 (+100.8%) Land $25,100 |
| 2022 | $12,500 Land $12,500 | $12,500 Land $12,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber | 1,000 / 1,000 |
| CenturyLink DSL | 140 / 20 |
May also be available: Verizon.
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