St. Louis County property record for 5448 Bear Trap Rd, Saginaw, MN 55779
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,100 sqft · built 2010 |
| Lot Size | 0.993 acres (43,259 sqft) |
| Owner | Individual Name on File |
| Last Sale | $3,000 (Apr 2021) |
| Tax Bill | $4,586 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 400-0020-00050 |
| Primary APN | 400-0020-00050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 2,100 sqft Gross Area |
| 1st Floor Area | 2,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 43,259 sqft (0.993 acres) |
| Garage Area | 864 sqft |
| Porch | Patio |
|---|---|
| Porch Area | 292 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1107735 |
|---|---|
| Street Address | 5448 BEAR TRAP RD |
| City | SAGINAW |
| State | MN |
| Zip | 55779-9667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | N 100 FT OF LOT 5 SERIAL # |
| Legal Subdivision | SUNSET LAKE PARK TOWN OF INDUS |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | INDUSTRIAL |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 11101 |
5448 Bear Trap Rd is owned and occupied by an individual who bought it in April 2021.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5448 BEAR TRAP RD, SAGINAW, MN 55779-9667 |
| 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 |
|---|---|
| Apr 21, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HIWAY CU |
| Dec 30, 2016 | Deed of Trust, Mortgage HIWAY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2021 · Amount on File |
| Deed Sale | Apr 21, 2021 · Amount on File |
| Prior Sale | Mar 16, 2012 · Amount on File |
| Deed Document Number | 20211411062 |
| Prior Transfer Date | Apr 12, 2021 |
| Prior Transfer Doc | 00A1411062 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 21, 2021 |
| Property Address | 5448 BEAR TRAP RD, SAGINAW, MN 55779-9667 |
| Document Number | 0001411062 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 1411062 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5448 BEAR TRAP RD, SAGINAW, MN 55779-9667 |
| Document Number | 0001411063 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 1411063 |
| Name | HIWAY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5448 BEAR TRAP RD, SAGINAW, MN 55779-9667 |
| Document Number | 00A1303792 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2017 |
| Title Company | TITLE RECORDING SERVICES, TITLE RECORDING SVCS |
| Name | Verified Name |
|---|---|
| Address | 5448 BEAR TRAP RD SAGINAW MN 557799667, SAGINAW, MN 55779-9667 |
| Document Number | 00A1303792 |
|---|---|
| Date | Feb 9, 2017 |
| Instrument | A1303792 |
| Name | HIWAY FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55103 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Feb 8, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
The 2026 property tax bill for 5448 Bear Trap Rd was $4,586 with a homeowner's exemption, up 15.9% 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 | Industrial Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,586.00 (+15.93%) Homeowner's exemption | ||
| 2025 | $3,956.00 (-9.1%) Homeowner's exemption | $521,600 (+14.69%) Land $52,900 Building $468,700 | $521,600 (+14.69%) Land $52,900 Building $468,700 |
| 2024 | $4,352.00 | $454,800 Land $50,900 Building $403,900 | $454,800 Land $50,900 Building $403,900 |
| 2022 | $456,900 Land $70,300 Building $386,600 | $456,900 Land $70,300 Building $386,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5448 Bear Trap Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 5448 Bear Trap Rd is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber | 1,000 / 1,000 |
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