St. Louis County property record for 3809 Nelson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 984 sqft · built 1984 |
| Lot Size | 4.5 acres (196,020 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Nov 2018) |
| Tax Bill | $3,440 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Feb 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0016-02800 |
| Primary APN | 520-0016-02800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 984 sqft Gross Area |
| 1st Floor Area | 984 sqft |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 196,020 sqft (4.5 acres) |
| Garage Area | 500 sqft |
| Deck Area | 42 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1061294 |
|---|---|
| Street Address | 3809 NELSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | E1/2 OF NE1/4 OF SE1/4 OF NW1/4 EX N 66 FT SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 26 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10400 |
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 | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Feb 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Mar 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 20, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2018 · Amount on Record |
| Deed Sale | Nov 6, 2018 · Amount on Record |
| Deed Document Number | 20181004695 |
| Prior Transfer Date | Oct 26, 2018 |
| Prior Transfer Doc | 0001004695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001096398 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 1096398 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 17, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
| Type Change Date | Nov 1, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 8.25% |
| Max Rate At Change | 10.2% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 14.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001007564 |
|---|---|
| Date | Feb 4, 2019 |
| Instrument | 1007564 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0001038265 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 1038265 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 6, 2018 |
| Property Address | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Document Number | 0001004695 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 1004695 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | NORTH SHORE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Document Number | 0001004696 |
|---|---|
| Date | Nov 6, 2018 |
| Instrument | 1004696 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 20, 2017 |
| Property Address | 3809 NELSON RD, DULUTH, MN 55803-1139 |
| Document Number | 000T993388 |
| Instrument Date | Dec 18, 2017 |
| Instrument | T993388 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5053 LUNDIN RD DULUTH MN 558031101, DULUTH, MN 55803-1101 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,440.00 (+3.8%) Homeowner's exemption | ||
| 2025 | $3,314.00 (+1.47%) Homeowner's exemption | $277,000 (+0.22%) Land $76,300 Building $200,700 | $277,000 (+0.22%) Land $76,300 Building $200,700 |
| 2024 | $3,266.00 | $276,400 (+15.6%) Land $75,700 Building $200,700 | $276,400 (+15.6%) Land $75,700 Building $200,700 |
| 2022 | $239,100 Land $71,800 Building $167,300 | $239,100 Land $71,800 Building $167,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 4 (1991–2001) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
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.
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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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