3970 Nelson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3970 Nelson Rd, Duluth, MN 55803 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1 Baths
Year Built	Built 1920
Square Footage	780 sqft Base Area
Lot Size	218,302 sqft (5.01 acres)
Occupancy	Owner Occupied
Tax Bill	$110.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`520-0230-00130`
Alternative APN	`556759`

Interior

Bedrooms	4 Beds
Full Baths	1 Baths
Building Area	780 sqft Base Area
1st Floor	780 sqft 1st Floor
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Metal Exterior
Construction Type	Frame Construction
Lot Area	218,302 sqft (5.01 acres)
Deck Area	336 sqft Deck
Storage Building	32 sqft Storage Building

Location & Zoning

Account Number	556759
Street Address	3970 NELSON RD
City	DULUTH
State	MN
Zip	55803-2712
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT: 0010 BLOCK:000 SERIAL #
Legal Subdivision	SUBDIVSION OF S1 2 OF NE1 4 SE
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Minor Civil Division	RICE LAKE
Census Blockgroup	1
Census Block	1032
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0230-00130

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	3970 NELSON RD, DULUTH, MN 55803-2712
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3970 NELSON RD, DULUTH, MN 55803-2712
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 NELSON RD, DULUTH, MN 55803-2712

Mortgage

Document Number	0001444289
Date	Jun 02, 2022
Instrument	1444289

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	16450

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	May 25, 2027

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$110.00 (+3.77%) Homeowner's exemption
2025	$106.00 (+1.92%) Homeowner's exemption	$8,300 (-) Land $6,400 Building $1,900	$8,300 (-) Land $6,400 Building $1,900
2024	$104.00	$8,300 (+9.21%) Land $6,400 Building $1,900	$8,300 (+9.21%) Land $6,400 Building $1,900
2022		$7,600 Land $6,000 Building $1,600	$7,600 Land $6,000 Building $1,600

Flood & Wildfire

3970 Nelson Rd is in FEMA Zone A, inside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025

FEMA Flood Zone	Zone A 1% annual chance, no base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 39th in Minnesota
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.