3530 Stebner Rd, Hermantown (Duluth), MN 55811 Property Records

St. Louis County property record for 3530 Stebner Rd, Hermantown, MN 55811

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,262 sqft · built 1952
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Apr 2025)
Tax Bill	$3,254 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`395-0014-00842`

Property Details

APN / Parcel Number

Primary APN	`395-0014-00842`
Alternative APNs	`1181236` `1137590` `793597`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,262 sqft Gross Area
1st Floor Area	1,015 sqft
Basement Area	254 sqft
Finished Basement	254 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	40,075 sqft (0.92 acres)
Garage Area	672 sqft
Deck Area	36 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1181236
Street Address	3530 STEBNER RD
City	HERMANTOWN
State	MN
Zip	55811-3745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF THE S1/2 OF S1/2 OF N1/2 OFSW1/4 OF SW1/4 HEREINAFTER DESIGNATED AS THE5 ACRE TRACT DESCRIBED AS
Legal Range	15W
Legal Township	50N
Legal Section	36
Legal Subdivision	HERMANTOWN CITY OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	3
Census Block	3017
Census Tract	10302

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3530 STEBNER RD, HERMANTOWN, MN 55811-3745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Prior Sale	Sep 28, 2022 · Amount on Record
Deed Document Number	20251089130
Prior Transfer Date	Nov 9, 2005
Prior Transfer Doc	0000808821
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 28, 2022
Property Address	3530 STEBNER RD, HERMANTOWN, MN 55811-3745
Document Number	0001061758
Instrument Date	Sep 28, 2022
Instrument	1061758
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3530 STEBNER RD, HERMANTOWN, MN 55811-3745

Mortgage

Document Number	0001061759
Date	Sep 28, 2022
Instrument	1061759

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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	Hermantown City
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,254.00 (-2.57%) Homeowner's exemption
2025	$3,340.00 (+9.87%)	$258,600 (+6.64%) Land $57,600 Building $201,000	$258,600 (+6.64%) Land $57,600 Building $201,000
2024	$3,040.00	$242,500 (+31.15%) Land $54,800 Building $187,700	$242,500 (+31.15%) Land $54,800 Building $187,700
2022		$184,900 Land $48,400 Building $136,500	$184,900 Land $48,400 Building $136,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 84% 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.

Drinking Water

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

Water System	Hermantown serves 7,215 people · EPA ID MN1690043
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50