3979 Hidden Creek Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 3979 Hidden Creek Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,328 sqft · built 2008
Lot Size	0.611 acres (26,622 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jul 2012)
Tax Bill	$9,560 (2026)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`395-0113-00140`

Property Details

APN / Parcel Number

Primary APN	`395-0113-00140`
Alternative APN	`935731`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,328 sqft Gross Area
1st Floor Area	1,416 sqft
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Block
Construction Type	Frame
Lot Area	26,622 sqft (0.611 acres)
Garage Area	632 sqft

Exterior Amenities

Porch	Patio
Porch Area	275 sqft
Deck Area	432 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	935731
Street Address	3979 HIDDEN CREEK AVE
City	DULUTH
State	MN
Zip	55811-1779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 4 SERIAL #
Legal Subdivision	HIDDEN CREEK PRESERVE
Legal Block	4
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	2
Census Block	2000
Census Tract	10302

Owner

3979 Hidden Creek Ave is owned and occupied by two individuals who bought it in July 2012.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3979 HIDDEN CREEK AVE, DULUTH, MN 55811-1779
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2012 · Amount on File
Deed Sale	Jul 10, 2012 · Amount on File
Prior Sale	Aug 30, 2007 · Amount on File
Deed Document Number	20121190933
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3979 HIDDEN CREEK AVE, DULUTH, MN 55811-1779
Document Number	00A1388646
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3979 HIDDEN CREEK AVE HERMANTOWN MN 558111779, HERMANTOWN, MN 55811-1779

Mortgage

Document Number	00A1388646
Date	Aug 24, 2020
Instrument	A1388646

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 23, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 3979 Hidden Creek Ave was $9,560 with a homeowner's exemption, up 7.2% 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	$9,560.00 (+7.2%) Homeowner's exemption
2025	$8,918.00 (+4.7%) Homeowner's exemption	$707,800 (+13.65%) Land $104,700 Building $603,100	$707,800 (+13.65%) Land $104,700 Building $603,100
2024	$8,518.00	$622,800 Land $100,700 Building $522,100	$622,800 Land $100,700 Building $522,100
2022		$537,200 Land $74,900 Building $462,300	$537,200 Land $74,900 Building $462,300

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

Flood

FEMA maps place 3979 Hidden Creek Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3979 Hidden Creek Ave is low, with less than 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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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