3738 Sandberg Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 3738 Sandberg Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,136 sqft · built 1990
Lot Size	6.59 acres (287,060 sqft)
Owner	Individual Name on File
Last Sale	$437,000 (Jan 2023)
Tax Bill	$4,584 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`530-0010-04821`

Property Details

APN / Parcel Number

Primary APN	`530-0010-04821`
Alternative APNs	`1144459` `891565`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,136 sqft Gross Area
1st Floor Area	1,136 sqft
Basement Area	924 sqft
Finished Basement	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Lot Area	287,060 sqft (6.59 acres)
Garage Area	1,872 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	288 sqft
Storage Building	256 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1144459
Street Address	3738 SANDBERG RD
City	DULUTH
State	MN
Zip	55810-9512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	WEST 693 FEET OF THE SW1/4 OF SE1/4 LESS ANDEXCEPT THE SOUTH 1000 FEET THEREOF SERIAL #
Legal Range	16W
Legal Township	50N
Legal Section	25
Legal Subdivision	SOLWAY TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	SOLWAY
Census Block Group	4
Census Block	4036
Census Tract	11102

Owner

3738 Sandberg Rd is owned and occupied by an individual who acquired it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3738 SANDBERG RD, DULUTH, MN 55810-9512
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Dec 4, 2019	Loan Modification, Mortgage · Conventional Mortgage PROCTOR FCU
Dec 4, 2019	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage PROCTOR FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2023 · Amount on File
Deed Sale	Jan 31, 2023 · Amount on File
Prior Sale	Nov 18, 2009 · Amount on File
Deed Document Number	20231509752
Last Transfer Date	Feb 6, 2023
Transfer Doc	0001461405
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 6, 2023
Property Address	3738 SANDBERG RD, DULUTH, MN 55810-9512
Document Number	0001461406
Instrument Date	Jan 31, 2023
Instrument	1461406
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,442.10
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 SANDBERG RD, DULUTH, MN 55810-9512

Mortgage

Document Number	0001461407
Date	Feb 6, 2023
Instrument	1461407

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.14%
Change Frequency	3 Years
Min Rate At Change	4.99%
Max Rate At Change	11.1%
Index	3-Year TN
Margin	8

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	3738 SANDBERG RD, DULUTH, MN 55810-9512
Document Number	00A1369418
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3738 SANDBERG RD DULUTH MN 558109512, DULUTH, MN 55810-9512

Mortgage

Document Number	00A1369418
Date	Dec 12, 2019
Instrument	A1369418

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 11, 2024

Interest

Rate	5%

December 2019: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	ST LOUIS MN
Property Address	3738 SANDBERG RD, DULUTH, MN 55810-9512
Document Number	00A1369418
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3738 SANDBERG RD DULUTH MN 558109512, DULUTH, MN 55810-9512

Mortgage

Document Number	00A1369418
Date	Dec 12, 2019
Instrument	A1369418

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 11, 2024

Interest

Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 3738 Sandberg Rd was $4,584 with a homeowner's exemption, up 4.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Solway Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,584.00 (+4.13%) Homeowner's exemption
2025	$4,402.00 (+18.84%) Homeowner's exemption	$483,400 (+8.82%) Land $75,700 Building $407,700	$483,400 (+8.82%) Land $75,700 Building $407,700
2024	$3,704.00	$444,200 Land $72,900 Building $371,300	$444,200 Land $72,900 Building $371,300
2022		$338,000 Land $39,700 Building $298,300	$338,000 Land $39,700 Building $298,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3738 Sandberg Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3738 Sandberg Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000

May also be available: Airfiber.

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