6440 Lerch Ln, Gilbert, MN 55741 Property Records

St. Louis County property record for 6440 Lerch Ln, Gilbert, MN 55741

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.5 ba · 1,902 sqft · built 1972
Lot Size	2.25 acres (98,247 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Aug 2022)
Tax Bill	$8,812 (2026)
Deeds & Mortgages	Aug 2022 Sale Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260-0021-00050`

Property Details

APN / Parcel Number

Primary APN	`260-0021-00050`
Alternative APNs	`1097516` `1135207`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,902 sqft Gross Area
1st Floor Area	1,587 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Wood
Construction Type	Frame
Lot Area	98,247 sqft (2.25 acres)
Garage Area	1,504 sqft

Exterior Amenities

Porch	Slab
Porch Area	456 sqft
Deck Area	40 sqft
Storage Building	40 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1135207
Street Address	6440 LERCH LN
City	GILBERT
State	MN
Zip	55741-8236
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOTS 5 AND 6 SERIAL #
Legal Subdivision	REARRANGEMENT OF PART OF BRAYS BEACH
Legal Lot Number	5-6
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	4148 45TH AVE S, MINNEAPOLIS, MN 55406-3546
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Warranty Deed, Transfer
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage ANOKA HENNEPIN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Jun 29, 2011 · Amount on Record
Deed Document Number	20221060087
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 16, 2022
Property Address	6440 LERCH LN, GILBERT, MN 55741-8236
Document Number	0001060087
Instrument Date	Jul 21, 2022
Instrument	1060087
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Amount	Amount Recorded
Tax	$2,475.00
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	4148 45TH AVE S, MINNEAPOLIS, MN 55406-3546

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6440 LERCH LN, GILBERT, MN 55741-8236
Document Number	000T994407
Instrument Date	Nov 27, 2017
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2543 TOURNAMENT PLAYERS CT S MINNEAPOLIS MN 554495503, MINNEAPOLIS, MN 55449-5503

Mortgage

Document Number	000T994407
Date	Jan 22, 2018
Instrument	T994407

Lender

Name	ANOKA HENNEPIN CU
Type	Credit Union
Address	COON RAPIDS, MN 55448

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 21, 2033

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	$8,812.00 (+9.85%)
2025	$8,022.00 (+3.03%)	$715,600 (+9.57%) Land $283,400 Building $432,200	$715,600 (+9.57%) Land $283,400 Building $432,200
2024	$7,786.00	$653,100 (+56.39%) Land $259,900 Building $393,200	$653,100 (+56.39%) Land $259,900 Building $393,200
2022		$417,600 Land $208,400 Building $209,200	$417,600 Land $208,400 Building $209,200

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 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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 5 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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