6564 Sandy Ln, Gilbert, MN 55741 Property Records

St. Louis County property record for 6564 Sandy Ln, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	1.75 ba · 1,056 sqft · built 1988
Lot Size	1.46 acres (63,631 sqft)
Owner	Individual Name on Record
Last Sale	$125,003 (Sep 2013)
Tax Bill	$2,734 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-0031-00050`

Property Details

APN / Parcel Number

Primary APN	`260-0031-00050`
Alternative APN	`956858`

Interior

Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,056 sqft Gross Area
1st Floor Area	1,056 sqft
Basement Area	792 sqft
Finished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	63,631 sqft (1.46 acres)

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	200 sqft
Pole Barn	960 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	956858
Street Address	6564 SANDY LN
City	GILBERT
State	MN
Zip	55741-8260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0005 BLOCK:000 SERIAL #
Legal Subdivision	INA DU SHORES T OF BIWABIK
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIWABIK
Census Block Group	2
Census Block	2059
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	6564 SANDY LN, GILBERT, MN 55741-8260
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK OF THE NORTH
Jul 13, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN BK/THE NORTH
Aug 28, 2018	Deed of Trust, Mortgage · Line of Credit AMERICAN BK/NORTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2013 · Amount on Record
Deed Sale	Sep 5, 2013 · Amount on Record
Deed Document Number	20131222728
Prior Transfer Date	Mar 24, 2009
Prior Transfer Doc	0001103885
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6564 SANDY LN, GILBERT, MN 55741-8260
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001345444
Date	Nov 27, 2018
Instrument	1345444

Lender

Name	AMERICAN BANK OF THE NORTH
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6564 SANDY LN, GILBERT, MN 55741-8260
Document Number	00A1385655
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6564 SANDY LN GILBERT MN 557418260, GILBERT, MN 55741-8260

Mortgage

Document Number	00A1385655
Date	Jul 22, 2020
Instrument	A1385655

Lender

Name	AMERICAN BK/THE NORTH
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6564 SANDY LN, GILBERT, MN 55741-8260
Document Number	00A1341056
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6564 SANDY LN GILBERT MN 557418260, GILBERT, MN 55741-8260

Mortgage

Document Number	00A1341056
Date	Sep 19, 2018
Instrument	A1341056

Lender

Name	AMERICAN BK/NORTH
Type	Bank
Address	MT IRON, MN 55768

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 18, 2028

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	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,734.00 (+5.15%) Homeowner's exemption
2025	$2,600.00 (-7.67%) Homeowner's exemption	$308,900 (+8.39%) Land $61,600 Building $247,300	$308,900 (+8.39%) Land $61,600 Building $247,300
2024	$2,816.00	$285,000 (+13.46%) Land $57,800 Building $227,200	$285,000 (+13.46%) Land $57,800 Building $227,200
2022		$251,200 Land $57,800 Building $193,400	$251,200 Land $57,800 Building $193,400

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 500 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 66% of the US · above 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 31 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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