12434 Perch Lake Rd, Side Lake, MN 55781 Property Records

St. Louis County property record for 12434 Perch Lake Rd, Side Lake, MN 55781

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	2 bd · 1.5 ba · 1,322 sqft · built 2011
Lot Size	0.931 acres (40,592 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jun 2005)
Tax Bill	$4,150 (2026)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`370-0058-00130`

Property Details

APN / Parcel Number

Primary APN	`370-0058-00130`
Alternative APN	`1041934`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,322 sqft Gross Area
1st Floor Area	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Wood
Construction Type	Frame
Lot Area	40,592 sqft (0.931 acres)
Garage Area	2,264 sqft

Exterior Amenities

Deck Area	160 sqft
Storage Building	272 sqft
Boat House	200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1041934
Street Address	12434 PERCH LAKE RD
City	SIDE LAKE
State	MN
Zip	55781
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	RES
Legal Description	LOT: 0013 BLOCK:001 SERIAL #
Legal Subdivision	PLAT OF PERCH LAKE SHORES
Legal Block	1
Legal Lot Number	13
Jurisdiction	ST LOUIS MN
Township / Civil Division	FRENCH
Census Block Group	2
Census Block	2128
Census Tract	15100

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	12434 PERCH LAKE RD, SIDE LAKE, MN 55781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2005 · Amount on Record
Deed Sale	Jun 17, 2005 · Amount on Record
Deed Document Number	2005984597
Last Transfer Date	Sep 24, 2021
Transfer Doc	0001425768
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	12434 PERCH LAKE RD, SIDE LAKE, MN 55781
Document Number	00A1328036
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12434 PERCH LAKE RD SIDE LAKE MN 55781, SIDE LAKE, MN 55781

Mortgage

Document Number	00A1328036
Date	Feb 22, 2018
Instrument	A1328036

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 21, 2028

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	French Township
Unified School District	Hibbing Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,150.00 (+7.29%) Homeowner's exemption
2025	$3,868.00 (+4.43%) Homeowner's exemption	$533,000 (+16.4%) Land $130,200 Building $402,800	$533,000 (+16.4%) Land $130,200 Building $402,800
2024	$3,704.00	$457,900 (+23.82%) Land $130,200 Building $327,700	$457,900 (+23.82%) Land $130,200 Building $327,700
2022		$369,800 Land $104,800 Building $265,000	$369,800 Land $104,800 Building $265,000

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
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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Paul Bunyan Communications Fiber	1,000 / 1,000
Northern Wireless Media Fixed Wireless	100 / 40