St. Louis County property record for 13043 Memory Ln, Side Lake, MN 55781
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 3 bd · 1.75 ba · 1,524 sqft |
| Lot Size | 0.643 acres (28,012 sqft) |
| Owner | Individual Name on File |
| Last Sale | $303,000 (Jul 2026) |
| Tax Bill | $3,214 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jun 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 755-0047-00020 |
| Primary APN | 755-0047-00020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,524 sqft Gross Area |
| 1st Floor Area | 1,524 sqft |
| Basement Area | 1,440 sqft |
| Finished Basement | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 28,012 sqft (0.643 acres) |
| Garage Area | 352 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 234 sqft |
| Deck Area | 113 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1086567 |
|---|---|
| Street Address | 13043 MEMORY LN |
| City | SIDE LAKE |
| State | MN |
| Zip | 55781-8454 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | RES |
| Legal Description | LOT 2 BLK 1 EX THAT PART OF LOT 2 DESCAS FOLLOWS: COMMENCING AT THE SE CORNER OFLOT 2; THENCE N ALONG E PROPERTY LINE OF LOT2 |
| Legal Subdivision | SANDS OF SOUTH STURGEON |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | MCCORMACK |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 15100 |
13043 Memory Ln, a residential property, is owned and occupied by an individual who bought it in July 2026.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Jun 25, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 9, 2020 | Grant Deed, Transfer AMERICAN BK/THE NORTH |
| Apr 10, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2026 · Amount on File |
| Deed Sale | Jul 24, 2026 · Amount on File |
| Prior Sale | Jun 25, 2026 · Amount on File |
| Deed Document Number | 20261537067 |
| Prior Transfer Date | Feb 12, 2013 |
| Prior Transfer Doc | 0001213239 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 24, 2026 |
| Property Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Document Number | 0001537067 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20261537067 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100,989.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Document Number | 0001537068, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 20261537068 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 25, 2026 |
| Property Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Document Number | 0001534884 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20261534884 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $80,425.29 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001408479 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 1408479 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 9, 2020 |
| Property Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Document Number | 00A1375358 |
| Instrument Date | Mar 3, 2020 |
| Instrument | A1375358 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2020 |
| Title Company | SELLMAN TITLE COMPANY, SELLMAN TITLE CO |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13043 MEMORY LN SIDE LAKE MN 557818454, SIDE LAKE, MN 55781-8454 |
| Document Number | A1375359 |
|---|---|
| Date | Mar 9, 2020 |
| Instrument | A1375359 |
| Name | AMERICAN BK/THE NORTH |
|---|---|
| Type | Bank |
| Address | COOK, MN 55723 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 8, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 10, 2018 |
| Property Address | 13043 MEMORY LN, SIDE LAKE, MN 55781-8454 |
| Document Number | 00A1330801 |
| Instrument Date | Apr 10, 2018 |
| Instrument | A1330801 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 30, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $563.64 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1050 WOODWARD AVE DETROIT MI 482261906, DETROIT, MI 48226-1906 |
The 2026 property tax bill for 13043 Memory Ln was $3,214 with a homeowner's exemption, up 16.4% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Unified School District | Hibbing Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,214.00 (+16.36%) Homeowner's exemption | ||
| 2025 | $2,762.00 (+11.1%) Homeowner's exemption | $392,800 (+18.31%) Land $119,600 Building $273,200 | $392,800 (+18.31%) Land $119,600 Building $273,200 |
| 2024 | $2,486.00 | $332,000 Land $109,400 Building $222,600 | $332,000 Land $109,400 Building $222,600 |
| 2022 | $249,300 Land $90,400 Building $158,900 | $249,300 Land $90,400 Building $158,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13043 Memory Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 13043 Memory Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Paul Bunyan Communications Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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