6444 Lerch Ln, Gilbert, MN 55741 Property Records

St. Louis County property record for 6444 Lerch Ln, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,680 sqft · built 2011
Lot Size	0.811 acres (35,327 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Jul 2023)
Tax Bill	$8,432 (2026)
Deeds & Mortgages	Jul 2023 Sale May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-0021-00080`

Property Details

APN / Parcel Number

Primary APN	`260-0021-00080`
Alternative APNs	`1108253` `1151925`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,680 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	1,376 sqft
Finished Basement	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	35,327 sqft (0.811 acres)
Garage Type	Mixed
Garage Area	720 sqft

Exterior Amenities

Porch	Slab
Porch Area	344 sqft
Deck Area	27 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1151925
Street Address	6444 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 8 SERIAL #
Legal Subdivision	REARR PART OF BRAYS BEACH TOWN
Legal Lot Number	8
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	6444 LERCH LN, GILBERT, MN 55741-8236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Warranty Deed, Transfer MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC
May 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK OF GILBERT
May 10, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN ST BK/VA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Document Number	20231070531
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2023
Property Address	6444 LERCH LN, GILBERT, MN 55741-8236
Document Number	0001070531
Instrument Date	Jul 13, 2023
Instrument	1070531
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6444 LERCH LN, GILBERT, MN 55741-8236

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 3, 2021
Property Address	6444 LERCH LN, GILBERT, MN 55741-8236
Document Number	0001040067
Instrument Date	Sep 25, 2020
Instrument	1040067
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,755.60
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6444 LERCH LN, GILBERT, MN 55741-8236

Mortgage

Document Number	0001040068
Date	May 3, 2021
Instrument	1040068

Lender

Name	FIRST NATIONAL BANK OF GILBERT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6444 LERCH LN, GILBERT, MN 55741-8236
Document Number	000T985407
Instrument Date	May 10, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6444 LERCH LN GILBERT MN 557418236, GILBERT, MN 55741-8236

Mortgage

Document Number	000T985407
Date	May 31, 2017
Instrument	T985407

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 30, 2022

Interest

Rate Type	Adjustable Rate

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	$8,432.00 (+10.89%) Homeowner's exemption
2025	$7,604.00 (-0.45%) Homeowner's exemption	$767,600 (+10.94%) Land $152,500 Building $615,100	$767,600 (+10.94%) Land $152,500 Building $615,100
2024	$7,638.00 (+1.17%)	$691,900 (+13.59%) Land $140,900 Building $551,000	$691,900 (+13.59%) Land $140,900 Building $551,000
2023	$7,550.00 Homeowner's exemption
2022		$609,100 (+11.97%) Land $147,000 Building $462,100	$609,100 (+11.97%) Land $147,000 Building $462,100
2021		$544,000 Land $119,000 Building $425,000	$544,000 Land $119,000 Building $425,000

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 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	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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