4798 Heritage Trl, Gilbert, MN 55741 Property Records

St. Louis County property record for 4798 Heritage Trl, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,112 sqft · built 1908
Lot Size	11.2 acres (487,872 sqft)
Owner	Individual Name on File
Last Sale	$301,900 (Oct 2023)
Tax Bill	$2,418 (2026)
Deeds & Mortgages	Oct 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`260-0015-00985`

Property Details

APN / Parcel Number

Primary APN	`260-0015-00985`
Alternative APNs	`1156916` `10271`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,112 sqft Gross Area
1st Floor Area	1,212 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	487,872 sqft (11.2 acres)
Garage Type	Mixed
Garage Area	1,152 sqft

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	250 sqft
Lean-To	640 sqft
Pole Barn	2,016 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1156916
Street Address	4798 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 COMM 1868.46 FT NOF SW COR OF SEC 33 THENCE ELY 648.72 FTTO PT OF BEG THENCE ELY 690.17 FT TO ELINE OF
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

Owner

4798 Heritage Trl is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4798 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Deed Document Number	20231476842
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 26, 2023
Property Address	4798 HERITAGE TRL, GILBERT, MN 55741-8226
Document Number	0001476842
Instrument Date	Oct 11, 2023
Instrument	1476842
Transaction Type	Construction Loan
Record Updated	Nov 22, 2023
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$996.27
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4798 HERITAGE TRL, GILBERT, MN 55741-8226
Investor	Possibly a Property Investor

Mortgage

Document Number	0001476843
Date	Oct 26, 2023
Instrument	1476843

Lender

Name	NORTHERN STATE BANK OF VIRGINIA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	61 Months
Due	Nov 11, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 4798 Heritage Trl was $2,418 with a homeowner's exemption, up 7.7% 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	$2,418.00 (+7.66%) Homeowner's exemption
2025	$2,246.00 Homeowner's exemption	$258,700 (+0.98%) Land $41,300 Building $217,400	$258,700 (+0.98%) Land $41,300 Building $217,400
2024		$256,200 Land $36,900 Building $219,300	$256,200 Land $36,900 Building $219,300
2023	$2,342.00 Homeowner's exemption
2022		$232,600 Land $29,000 Building $203,600	$232,600 Land $29,000 Building $203,600

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

Flood

FEMA maps place 4798 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 4798 Heritage Trl is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.03% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Heritage Trl

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