St. Louis County property record for 4048 Nelson Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,924 sqft · built 2018 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $459,000 (May 2023) |
| Tax Bill | $5,240 (2026) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Sep 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0016-03480 |
| Primary APN | 520-0016-03480 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,924 sqft Gross Area |
| 1st Floor Area | 1,352 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 1,404 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 217 sqft |
| Deck Area | Deck Area |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1148818 |
|---|---|
| Street Address | 4048 NELSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-2722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 1/2 OF SW 1/4 OF SE 1/4 OF NW 1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 27 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 10400 |
Source: St. Louis County records · APN 520-0016-03480
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 | 4048 NELSON RD, DULUTH, MN 55803-2722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Sep 24, 2020 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Aug 28, 2019 | Loan Modification, Mortgage HARBOR POINTE CU |
| Jul 27, 2018 | Deed of Trust, Mortgage HARBOR POINTE CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 18, 2023 · Amount on Record |
| Deed Sale | May 18, 2023 · Amount on Record |
| Prior Sale | Jun 21, 2016 · Amount on Record |
| Deed Document Number | 20231466715 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 18, 2023 |
| Property Address | 4048 NELSON RD, DULUTH, MN 55803-2722 |
| Document Number | 0001466715 |
| Instrument Date | May 15, 2023 |
| Instrument | 1466715 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,514.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4048 NELSON RD, DULUTH, MN 55803-2722 |
| Document Number | 0001466716 |
|---|---|
| Date | May 18, 2023 |
| Instrument | 1466716 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4048 NELSON RD, DULUTH, MN 55803-2722 |
| Document Number | 00A1391836 |
| Instrument Date | Sep 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4048 NELSON RD DULUTH MN 558032722, DULUTH, MN 55803-2722 |
| Document Number | 00A1391836 |
|---|---|
| Date | Oct 01, 2020 |
| Instrument | A1391836 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 30, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4048 NELSON RD, DULUTH, MN 55803-2722 |
| Document Number | 00A1362101 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 412 ELK ST DULUTH MN 558031412, DULUTH, MN 55803-1412 |
| Document Number | 00A1362101 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | A1362101 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Aug 28, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4048 NELSON RD, DULUTH, MN 55803-2722 |
| Document Number | 00A1337461 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 412 ELK ST DULUTH MN 558031412, DULUTH, MN 55803-1412 |
| Document Number | 00A1337461 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | A1337461 |
| Name | HARBOR POINTE CREDIT UNION |
|---|---|
| Address | 11 W 2ND ST, DULUTH, MN 55802-2014 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 29, 2023 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $5,240.00 (+4.63%) Homeowner's exemption | ||
| 2025 | $5,008.00 (-2.26%) Homeowner's exemption | $402,500 (+0.93%) Land $84,500 Building $318,000 | $402,500 (+0.93%) Land $84,500 Building $318,000 |
| 2024 | $5,124.00 | $398,800 (+11.77%) Land $83,900 Building $314,900 | $398,800 (+11.77%) Land $83,900 Building $314,900 |
| 2022 | $356,800 Land $79,500 Building $277,300 | $356,800 Land $79,500 Building $277,300 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 2 of 3 on primary residences |
| Nearby Flood Claims | 4 (1991–2001) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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