3748 Stebner Rd, Hermantown (Duluth), MN 55811 Property Records

St. Louis County property record for 3748 Stebner Rd, Hermantown, MN 55811

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$385,400 (Oct 2025)
Tax Bill	$548 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`395-0010-07542`

Property Details

APN / Parcel Number

Primary APN	`395-0010-07542`
Alternative APNs	`1189342` `22392`

Interior

Stories	1 Story

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	15,682 sqft (0.36 acres)
Garage Area	480 sqft

Location & Zoning

Account Number	1189342
Street Address	3748 STEBNER RD
City	HERMANTOWN
State	MN
Zip	55811-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 100 FT OF W 1/2 OF W 1/2 OF NW 1/4 OFSW 1/4 OF SW 1/4 SERIAL #
Legal Range	15W
Legal Township	50N
Legal Section	25
Legal Subdivision	HERMANTOWN CITY OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	3
Census Block	3012
Census Tract	10302

Owner

3748 Stebner Rd is owned and occupied by an individual who bought it in October 2025.

Source: St. Louis County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	3748 STEBNER RD, HERMANTOWN, MN 55811-1732
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
Oct 28, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 28, 2025	Affidavit of Death of Joint Tenant, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 13, 2025	Affidavit of Death of Joint Tenant, Transfer NORTHEAST FL TITLE LLC, NORTHEAST TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Oct 13, 2025 · Amount on File
Deed Document Number	20251521150
Prior Transfer Date	Aug 29, 2025
Prior Transfer Doc	0001521150
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 28, 2025
Property Address	3748 STEBNER RD, HERMANTOWN, MN 55811-1732
Document Number	0001521150
Instrument Date	Aug 29, 2025
Instrument	1521150
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	NORTHEAST FL TITLE LLC, NORTHEAST TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,271.82
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	3748 STEBNER RD, HERMANTOWN, MN 55811-1732

Mortgage

Document Number	0001521151
Date	Oct 28, 2025
Instrument	1521151

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2055

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 28, 2025
Property Address	3748 STEBNER RD, HERMANTOWN, MN 55811-1732
Document Number	0001521147
Instrument Date	Aug 22, 2025
Instrument	1521147
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	NORTHEAST TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001521151
Date	Oct 28, 2025
Instrument	1521151

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2055

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2025
Property Address	3748 STEBNER RD, HERMANTOWN, MN 55811-1732
Document Number	0001095133
Instrument Date	Aug 22, 2025
Instrument	1095133
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	NORTHEAST FL TITLE LLC, NORTHEAST TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 S LAUREL ST, CLOQUET, MN 55720-1402

Tax Assessment & Valuation

The 2026 property tax bill for 3748 Stebner Rd was $548 with a homeowner's exemption, down 62.8% 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
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	$548.00 (-62.82%) Homeowner's exemption
2025	$1,474.00 (+3.51%) Homeowner's exemption	$37,800 (+7.08%) Land $20,900 Building $16,900	$37,800 (+7.08%) Land $20,900 Building $16,900
2024	$1,424.00	$35,300 Land $19,900 Building $15,400	$35,300 Land $19,900 Building $15,400
2022		$29,800 Land $17,600 Building $12,200	$29,800 Land $17,600 Building $12,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3748 Stebner 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 3748 Stebner Rd is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% 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	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 49 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stebner Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures