6523 Elm Dr, Gilbert, MN 55741 Property Records

St. Louis County property record for 6523 Elm Dr, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Last Sale	$36,400 (Nov 2002)
Tax Bill	$1,092 (2026)
Deeds & Mortgages	Jan 2023 Transfer May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260-0013-00860`

Property Details

APN / Parcel Number

Primary APN	`260-0013-00860`
Alternative APN	`738092`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,404 sqft Gross Area
1st Floor Area	780 sqft

Exterior

Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)
Garage Area	480 sqft

Exterior Amenities

Storage Building	70 sqft
Pole Barn	2,800 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	738092
Street Address	6523 ELM DR
City	GILBERT
State	MN
Zip	55741-8320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	SE 1/4 OF NE 1/4 SERIAL #
Legal Range	16W
Legal Township	58N
Legal Section	21
Legal Subdivision	BIWABIK TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIWABIK
Census Block Group	2
Census Block	2019
Census Tract	13600

Owner

Source: St. Louis County records · APN 260-0013-00860

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	6523 ELM DR, GILBERT, MN 55741-8320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Intrafamily Transfer, Transfer NORTHEAST TITLE COMPANY
May 19, 2020	Deed of Trust, Mortgage FRANDSEN BK&TR
Jan 26, 2018	Deed of Trust, Mortgage FRANDSEN BK&TR
Jun 06, 2017	Trustee's Deed, Construction Loan · Line of Credit FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 05, 2002 · Amount on Record
Deed Sale	Nov 05, 2002 · Amount on Record
Deed Document Number	2002875834
Last Transfer Date	Oct 12, 2022
Transfer Doc	0001460677
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jan 23, 2023
Property Address	6523 ELM DR, GILBERT, MN 55741-8320
Document Number	0001460677
Instrument Date	Oct 12, 2022
Instrument	1460677
Transaction Type	Transfer
Record Updated	Feb 24, 2023
Title Company	NORTHEAST TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6523 ELM DR, GILBERT, MN 55741-8320

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6523 ELM DR, GILBERT, MN 55741-8320
Document Number	00A1381213
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6523 ELM DR GILBERT MN 557418320, GILBERT, MN 55741-8320

Mortgage

Document Number	00A1381213
Date	Jun 02, 2020
Instrument	A1381213

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2035

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6523 ELM DR, GILBERT, MN 55741-8320
Document Number	00A1327014
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6523 ELM DR GILBERT MN 557418320, GILBERT, MN 55741-8320

Mortgage

Document Number	00A1327014
Date	Jan 31, 2018
Instrument	A1327014

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2048

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 06, 2017
Property Address	6523 ELM DR, GILBERT, MN 55741-8320
Instrument Date	May 31, 2017
Instrument	A1310594
Transaction Type	Construction Loan
Record Updated	Jun 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6523 ELM DR GILBERT MN 557418320, GILBERT, MN 55741-8320

Mortgage

Document Number	00A1310594
Date	Jun 06, 2017
Instrument	A1310594

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 05, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Biwabik Township
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,092.00 (-1.97%) Homeowner's exemption
2025	$1,114.00 (-12.56%) Homeowner's exemption	$175,800 (+5.59%) Land $50,100 Building $125,700	$175,800 (+5.59%) Land $50,100 Building $125,700
2024	$1,274.00	$166,500 (+16.43%) Land $47,700 Building $118,800	$166,500 (+16.43%) Land $47,700 Building $118,800
2022		$143,000 Land $41,600 Building $101,400	$143,000 Land $41,600 Building $101,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Lumen Technologies DSL	60 / 5
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile USA.

Based on FCC filings for 4 locations within half a mile of this property.

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