4880 Palm Dr, Gilbert, MN 55741 Property Records

St. Louis County property record for 4880 Palm Dr, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,671 sqft · built 1991
Lot Size	2.03 acres (88,584 sqft)
Owner	Individual Name on Record
Tax Bill	$6,666 (2026)
Deeds & Mortgages	Oct 2021 Construction Loan Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-0021-00110`

Property Details

APN / Parcel Number

Primary APN	`260-0021-00110`
Alternative APN	`38838`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,671 sqft Gross Area
1st Floor Area	1,159 sqft
Basement Area	768 sqft
Finished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Frame
Lot Area	88,584 sqft (2.03 acres)
Garage Area	768 sqft

Exterior Amenities

Porch	Slab
Porch Area	185 sqft
Deck Area	80 sqft
Gazebo	126 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38838
Street Address	4880 PALM DR
City	GILBERT
State	MN
Zip	55741-8246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT 11 SERIAL #
Legal Subdivision	REARR PART OF BRAYS BEACH TOWN
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIWABIK
Census Block Group	2
Census Block	2058
Census Tract	13600

Owner

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	Individual Name on Record
Mailing Address	4880 PALM DR, GILBERT, MN 55741-8246
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF GILBERT
Dec 29, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Jul 31, 2017	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4880 PALM DR, GILBERT, MN 55741-8246
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001048230
Date	Oct 14, 2021
Instrument	1048230

Lender

Name	FIRST NATIONAL BANK OF GILBERT
Type	Bank
Address	GILBERT, MN 55741

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 10, 2036

December 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Dec 29, 2020
Property Address	4880 PALM DR, GILBERT, MN 55741-8246
Document Number	00T1034370
Instrument Date	Dec 15, 2020
Instrument	T1034370
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4880 PALM DR GILBERT MN 557418246, GILBERT, MN 55741-8246

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4880 PALM DR, GILBERT, MN 55741-8246
Document Number	000T988262
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4880 PALM DR GILBERT MN 557418246, GILBERT, MN 55741-8246

Mortgage

Document Number	000T988262
Date	Aug 7, 2017
Instrument	T988262

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Aug 6, 2032

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	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,666.00 (+11.51%) Homeowner's exemption
2025	$5,978.00 (-1.39%) Homeowner's exemption	$599,200 (+9.42%) Land $163,800 Building $435,400	$599,200 (+9.42%) Land $163,800 Building $435,400
2024	$6,062.00	$547,600 (+6.08%) Land $150,700 Building $396,900	$547,600 (+6.08%) Land $150,700 Building $396,900
2022		$516,200 Land $156,200 Building $360,000	$516,200 Land $156,200 Building $360,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 18 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

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