St. Louis County property record for 4053 Stebner Rd, Hermantown, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,092 sqft · built 1999 |
| Lot Size | 1.03 acres (44,995 sqft) |
| Owner | Company Name on File |
| Last Sale | $530,000 (Jun 2025) |
| Tax Bill | $6,084 (2026) |
| Deeds & Mortgages | Feb 2024 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 395-0097-00160 |
| Primary APN | 395-0097-00160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Gross Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 976 sqft |
| Finished Basement | 976 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Split Foyer |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 44,995 sqft (1.03 acres) |
| Garage Area | 816 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 27 sqft |
| Deck Area | 144 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1065381 |
|---|---|
| Street Address | 4053 STEBNER RD |
| City | HERMANTOWN |
| State | MN |
| Zip | 55811-1731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0005 BLOCK:003 SERIAL # |
| Legal Subdivision | MEADOW OAKS |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | HERMANTOWN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 10302 |
4053 Stebner Rd is owned by a company that bought it in June 2025 and is owner-occupied.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4629 AIRPARK BLVD, DULUTH, MN 55811-5750 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 27, 2024 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| May 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 20, 2025 · Amount on File |
| Deed Sale | Jun 20, 2025 · Amount on File |
| Prior Sale | Nov 9, 2012 · Amount on File |
| Deed Document Number | 20251091242 |
| Prior Transfer Date | Oct 30, 2012 |
| Prior Transfer Doc | 0000922543 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4053 STEBNER RD, HERMANTOWN, MN 55811-1731 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4053 STEBNER RD, HERMANTOWN, MN 55811-1731 |
| Document Number | 0001077177 |
|---|---|
| Date | Feb 27, 2024 |
| Instrument | 1077177 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 14, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4053 STEBNER RD, HERMANTOWN, MN 55811-1731 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001040561 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 1040561 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2026 property tax bill for 4053 Stebner Rd was $6,084 with a homeowner's exemption, up 6.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Hermantown City |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,084.00 (+6.55%) Homeowner's exemption | ||
| 2025 | $5,710.00 (+8.43%) Homeowner's exemption | $520,300 (+22.71%) Land $140,600 Building $379,700 | $520,300 (+22.71%) Land $140,600 Building $379,700 |
| 2024 | $5,266.00 | $424,000 Land $135,200 Building $288,800 | $424,000 Land $135,200 Building $288,800 |
| 2022 | $348,200 Land $100,500 Building $247,700 | $348,200 Land $100,500 Building $247,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4053 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 risk around 4053 Stebner Rd 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 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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