St. Louis County property record for 4790 Heritage Trl, Gilbert, MN 55741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 2004 |
| Lot Size | 4.96 acres (216,058 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,626 (2026) |
| Deeds & Mortgages | Dec 2023 Line of Credit Nov 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 260-0015-00984 |
| Primary APN | 260-0015-00984 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Gross Area |
| 1st Floor Area | 1,680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 216,058 sqft (4.96 acres) |
| Garage Area | 720 sqft |
| Deck Area | 80 sqft |
| Storage Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 908641 |
|---|---|
| Street Address | 4790 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 NW1/4 OF SW1/4 BEG ON W LINE2208.46 FT NLY FROM SW COR OF SEC THENCEN 338.9 FT THENCE S 89 DEG 54 MIN 45 SECE 644.64 |
| 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 | 2041 |
| Census Tract | 13600 |
4790 Heritage Trl is owned and occupied by an individual who acquired it in November 2010.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4790 HERITAGE TRL, GILBERT, MN 55741-8226 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| Nov 23, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| Jan 20, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| Sep 29, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 10, 2010 |
| Transfer Doc | 0001149863 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4790 HERITAGE TRL, GILBERT, MN 55741-8226 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001479888 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 1479888 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 14, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4790 HERITAGE TRL, GILBERT, MN 55741-8226 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4790 HERITAGE TRL, GILBERT, MN 55741-8226 |
| Document Number | 0001457079 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 1457079 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 22, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4790 HERITAGE TRL, GILBERT, MN 55741-8226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001435671 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 1435671 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 19, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4790 HERITAGE TRL, GILBERT, MN 55741-8226 |
| Document Number | 00A1322390 |
| Instrument Date | Sep 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4790 HERITAGE TRL GILBERT MN 557418226, GILBERT, MN 55741-8226 |
| Document Number | 00A1322390 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | A1322390 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 15, 2032 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4790 Heritage Trl was $1,626 with a homeowner's exemption, up 8.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Biwabik Township |
| Unified School District | Rock Ridge Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,626.00 (+8.54%) Homeowner's exemption | ||
| 2025 | $1,498.00 (-2.85%) Homeowner's exemption | $196,700 (+0.72%) Land $31,300 Building $165,400 | $196,700 (+0.72%) Land $31,300 Building $165,400 |
| 2024 | $1,542.00 | $195,300 Land $28,300 Building $167,000 | $195,300 Land $28,300 Building $167,000 |
| 2022 | $151,500 Land $22,700 Building $128,800 | $151,500 Land $22,700 Building $128,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4790 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 risk around 4790 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
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