St. Louis County property record for 6436 Lerch Ln, Gilbert, MN 55741
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,786 sqft · built 1995 |
| Lot Size | 0.768 acres (33,472 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,028 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 260-0021-00020 |
| Primary APN | 260-0021-00020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,786 sqft Gross Area |
| 1st Floor Area | 2,810 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 33,472 sqft (0.768 acres) |
| Garage Area | 1,270 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 336 sqft |
| Deck Area | 105 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 64056 |
|---|---|
| Street Address | 6436 LERCH LN |
| City | GILBERT |
| State | MN |
| Zip | 55741-8236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | LOT: 0002 BLOCK:000 SERIAL # |
| Legal Subdivision | REARR PART OF BRAYS BEACH TOWN |
| Legal Lot Number | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | BIWABIK |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 13600 |
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 | 6436 LERCH LN, GILBERT, MN 55741-8236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 30, 2020 |
| Transfer Doc | 0001033258 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6436 LERCH LN, GILBERT, MN 55741-8236 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6436 LERCH LN, GILBERT, MN 55741-8236 |
| Document Number | 0001098973 |
|---|---|
| Date | Feb 9, 2026 |
| Instrument | 1098973 |
| Name | SECURITY STATE BANK OF HIBBING |
|---|---|
| Type | Bank |
| Address | HIBBING, MN 55746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Jan 9, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | Mesabi East School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,028.00 (+10.66%) Homeowner's exemption | ||
| 2025 | $9,062.00 (-0.22%) Homeowner's exemption | $838,800 (+9.48%) Land $167,500 Building $671,300 | $838,800 (+9.48%) Land $167,500 Building $671,300 |
| 2024 | $9,082.00 | $766,200 (+11.35%) Land $154,600 Building $611,600 | $766,200 (+11.35%) Land $154,600 Building $611,600 |
| 2022 | $688,100 Land $154,600 Building $533,500 | $688,100 Land $154,600 Building $533,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 84% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 18 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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