4745 Heritage Trl, Gilbert, MN 55741 Property Records

St. Louis County property record for 4745 Heritage Trl, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,242 sqft · built 1979
Lot Size	6.35 acres (276,606 sqft)
Owner	Individual Name on File
Last Sale	$660 (Jun 2017)
Tax Bill	$2,246 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260-0015-00887`

Property Details

APN / Parcel Number

Primary APN	`260-0015-00887`
Alternative APN	`1031669`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,242 sqft Gross Area
1st Floor Area	1,242 sqft
Basement Area	225 sqft
Finished Basement	225 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	276,606 sqft (6.35 acres)
Garage Area	2,208 sqft

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	144 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1031669
Street Address	4745 HERITAGE TRL
City	GILBERT
State	MN
Zip	55741-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	NLY 209.18 FT OF SE1/4 OF SE1/4 SERIAL #
Legal Range	16W
Legal Township	58N
Legal Section	32
Legal Subdivision	BIWABIK TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIWABIK
Census Block Group	2
Census Block	2064
Census Tract	13600

Owner

4745 Heritage Trl is owned and occupied by an individual who bought it in June 2017.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4745 HERITAGE TRL, GILBERT, MN 55741-8228
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2017 · Amount on File
Deed Sale	Jun 5, 2017 · Amount on File
Prior Sale	Aug 25, 2011 · Amount on File
Deed Document Number	20171310511
Record Updated	Sep 20, 2026

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 5, 2017
Property Address	4745 HERITAGE TRL, GILBERT, MN 55741-8228
Document Number	00A1310511
Instrument Date	May 31, 2017
Instrument	A1310511
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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	4745 HERITAGE TRL GILBERT MN 557418228, GILBERT, MN 55741-8228

Mortgage

Document Number	A1310512
Date	Jun 5, 2017
Instrument	A1310512

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 4745 Heritage Trl was $2,246 with a homeowner's exemption, up 7.4% from the year before.

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	$2,246.00 (+7.36%) Homeowner's exemption
2025	$2,092.00 (+1.06%) Homeowner's exemption	$244,600 (+0.45%) Land $30,300 Building $214,300	$244,600 (+0.45%) Land $30,300 Building $214,300
2024	$2,070.00	$243,500 Land $27,400 Building $216,100	$243,500 Land $27,400 Building $216,100
2022		$229,200 Land $22,100 Building $207,100	$229,200 Land $22,100 Building $207,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4745 Heritage Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4745 Heritage Trl is low, with a 0.02% annual chance of 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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