6889 1st St S, Gilbert, MN 55741 Property Records

St. Louis County property record for 6889 1st St S, Gilbert, MN 55741

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,362 sqft · built 1984
Lot Size	0.286 acres (12,483 sqft)
Owner	Individual Name on Record
Tax Bill	$1,452 (2026)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-0010-02450`

Property Details

APN / Parcel Number

Primary APN	`160-0010-02450`
Alternative APN	`726334`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,362 sqft Gross Area
1st Floor Area	1,362 sqft
Basement Area	1,142 sqft
Finished Basement	1,142 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	12,483 sqft (0.286 acres)
Garage Area	780 sqft
Deck Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	726334
Street Address	6889 1ST ST S
City	GILBERT
State	MN
Zip	55741-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 THRU 4 EX RY RT OF WAY SERIAL #
Legal Subdivision	MCKINLEY
Legal Block	29
Legal Lot Number	1-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	MCKINLEY
Census Block Group	1
Census Block	1066
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	6889 1ST ST S, GILBERT, MN 55741-9504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6889 1ST ST S, GILBERT, MN 55741-9504
Document Number	00A1359491
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6889 1ST ST S GILBERT MN 557419504, GILBERT, MN 55741-9504

Mortgage

Document Number	00A1359491
Date	Jul 29, 2019
Instrument	A1359491

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 28, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	McKinley City
Unified School District	Rock Ridge Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,452.00 (+3.57%) Homeowner's exemption
2025	$1,402.00 (-15.75%) Homeowner's exemption	$138,000 (+5.59%) Land $6,200 Building $131,800	$138,000 (+5.59%) Land $6,200 Building $131,800
2024	$1,664.00	$130,700 (+15.66%) Land $5,800 Building $124,900	$130,700 (+15.66%) Land $5,800 Building $124,900
2022		$113,000 Land $4,800 Building $108,200	$113,000 Land $4,800 Building $108,200

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
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 93% of the US · lower than 78% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	McKinley serves 110 people · EPA ID MN1690033
Water Source	Purchased groundwater from Gilbert
Last State Inspection	Oct 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20