4740 Heritage Trl, Gilbert, MN 55741 Property Records

St. Louis County property record for 4740 Heritage Trl, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 924 sqft · built 1977
Lot Size	5.1 acres (222,156 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Oct 2024)
Tax Bill	$708 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260-0015-00997`

Property Details

APN / Parcel Number

Primary APN	`260-0015-00997`
Alternative APNs	`1067446` `1137619` `1172935`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	924 sqft Gross Area
1st Floor Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Metal
Lot Area	222,156 sqft (5.1 acres)
Garage Area	896 sqft
Deck Area	144 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Account Number	1172935
Street Address	4740 HERITAGE TRL
City	GILBERT
State	MN
Zip	55741-8226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	PART OF SW1/4 OF SW1/4 BEG ON W LINE782.45 FT N OF SW COR THENCE N 340 FTTHENCE N 89 DEG 44' 35" E 653.22 FTTHENCE S 0 DEG
Legal Range	16W
Legal Township	58N
Legal Section	33
Legal Subdivision	BIWABIK TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIWABIK
Census Block Group	2
Census Block	2065
Census Tract	13600

Owner

Source: St. Louis County records, as of September 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2701 2ND AVE E, HIBBING, MN 55746-2205
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage BLAZE CREDIT UNION
Sep 28, 2022	Warranty Deed, Transfer NORTHEAST TITLE COMPANY
Mar 14, 2019	Affidavit of Death, Transfer NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO
Mar 14, 2019	Warranty Deed, Transfer · Line of Credit FIRST NAT'L BK/GILBERT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2024 · Amount on Record
Deed Sale	Oct 10, 2024 · Amount on Record
Prior Sale	Sep 28, 2022 · Amount on Record
Deed Document Number	20241497100
Prior Transfer Date	Sep 21, 2012
Prior Transfer Doc	0001197046
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4740 HERITAGE TRL, GILBERT, MN 55741-8226
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4740 HERITAGE TRL, GILBERT, MN 55741-8226

Mortgage

Document Number	0001522590
Date	Nov 18, 2025
Instrument	1522590

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Dec 1, 2032

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 28, 2022
Property Address	4740 HERITAGE TRL, GILBERT, MN 55741-8226
Document Number	0001453012
Instrument Date	Sep 23, 2022
Instrument	1453012
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$138.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 551, GILBERT, MN 55741-0551
Investor	Possibly a Property Investor

March 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Mar 14, 2019
Property Address	4740 HERITAGE TRL, GILBERT, MN 55741-8226
Document Number	00A1351621
Instrument Date	Mar 12, 2019
Instrument	A1351621
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4740 HERITAGE TRL GILBERT MN 557418226, GILBERT, MN 55741-8226

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 14, 2019
Property Address	4740 HERITAGE TRL, GILBERT, MN 55741-8226
Document Number	00A1351622
Instrument Date	Mar 12, 2019
Instrument	A1351622
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transaction

Amount	Amount Recorded
Tax	$85.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4740 HERITAGE TRL GILBERT MN 557418226, GILBERT, MN 55741-8226

Mortgage

Document Number	A1351623
Date	Mar 14, 2019
Instrument	A1351623

Lender

Name	FIRST NAT'L BK/GILBERT
Type	Bank
Address	GILBERT, MN 55741

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 13, 2024

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	Biwabik Township
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$708.00 (+4.42%)
2025	$678.00 (+9.35%)	$62,200 (+19.16%) Land $31,500 Building $30,700	$62,200 (+19.16%) Land $31,500 Building $30,700
2024	$620.00 (+189.72%)	$52,200 (+4.4%) Land $28,400 Building $23,800	$52,200 (+4.4%) Land $28,400 Building $23,800
2023	$214.00 Homeowner's exemption
2022		$50,000 (+11.11%) Land $22,800 Building $27,200	$50,000 (+11.11%) Land $22,800 Building $27,200
2021		$45,000 Land $22,800 Building $22,200	$45,000 Land $22,800 Building $22,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber · Fixed Wireless in parts of the area	2,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Heritage Trl

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