6473 Heritage Trl, Gilbert, MN 55741 Property Records

St. Louis County property record for 6473 Heritage Trl, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft
Lot Size	2.75 acres (119,790 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Aug 2023)
Tax Bill	$1,252 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`677-0010-00464`

Property Details

APN / Parcel Number

Primary APN	`677-0010-00464`
Alternative APNs	`1153480` `530847`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	119,790 sqft (2.75 acres)
Garage Area	720 sqft
Deck Area	48 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1153480
Street Address	6473 HERITAGE TRL
City	GILBERT
State	MN
Zip	55741-8029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LIU
Legal Description	PART OF SW1/4 OF SW1/4 COMM AT SW COR OF SEC3 THENCE N87DEG45'14"E ASSUMED BEARING ALONGS LINE OF SEC 3 647.40 FT TO PT OF
Legal Range	16W
Legal Township	57N
Legal Section	03
Jurisdiction	ST LOUIS MN
Township / Civil Division	MAKINEN
Census Block Group	1
Census Block	1007
Census Tract	11401

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	6473 HERITAGE TRL, GILBERT, MN 55741-8029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage SERVION INC
Aug 22, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Deed Document Number	20231472532
Prior Transfer Date	Apr 28, 2017
Prior Transfer Doc	0001309774
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6473 HERITAGE TRL, GILBERT, MN 55741-8029
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001524377
Date	Dec 18, 2025
Instrument	1524377

Lender

Name	SERVION INC
Type	Funding / Finance Company
Address	SAINT PAUL, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	5-Year TN
Max Rate	10.8%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 22, 2023
Property Address	6473 HERITAGE TRL, GILBERT, MN 55741-8029
Document Number	0001472532
Instrument Date	Aug 16, 2023
Instrument	1472532
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	6473 HERITAGE TRL, GILBERT, MN 55741-8029

Mortgage

Document Number	0001472533
Date	Aug 22, 2023
Instrument	1472533

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 23, 2017
Property Address	6473 HERITAGE TRL, GILBERT, MN 55741-8029
Document Number	00A1309774
Instrument Date	Apr 28, 2017
Instrument	A1309774
Transaction Type	Transfer
Record Updated	Jun 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,252.00 (+22.27%) Homeowner's exemption
2025	$1,024.00 (-18.21%) Homeowner's exemption	$177,000 (+9.87%) Land $29,500 Building $147,500	$177,000 (+9.87%) Land $29,500 Building $147,500
2024	$1,252.00 (+98.73%)	$161,100 (+33.58%) Land $27,200 Building $133,900	$161,100 (+33.58%) Land $27,200 Building $133,900
2023	$630.00 Homeowner's exemption Disabled Person's exemption
2022		$120,600 (+19.76%) Land $22,800 Building $97,800	$120,600 (+19.76%) Land $22,800 Building $97,800
2021		$100,700 Land $20,600 Building $80,100	$100,700 Land $20,600 Building $80,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
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 9 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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