4059 Nelson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4059 Nelson Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 1,512 sqft · built 2006
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$360,500 (Aug 2018)
Tax Bill	$4,812 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`520-0016-03400`

Property Details

APN / Parcel Number

Primary APN	`520-0016-03400`
Alternative APN	`1056410`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,512 sqft Gross Area
1st Floor Area	896 sqft
Basement Area	586 sqft
Finished Basement	586 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,210 sqft

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	78 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1056410
Street Address	4059 NELSON RD
City	DULUTH
State	MN
Zip	55803-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 OF NE 1/4 OF SW 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	1018
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0016-03400

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	4059 NELSON RD, DULUTH, MN 55803-2721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit INTERNATIONAL BANK OF COMMERCE
Jun 12, 2020	Deed of Trust, Mortgage NATIONAL BK/COMMERCE
Aug 17, 2018	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Apr 28, 2005 · Amount on Record
Deed Document Number	20181338802
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 15, 2026
Property Address	4059 NELSON RD, DULUTH, MN 55803-2721
Document Number	0001532693
Instrument Date	Apr 28, 2026
Instrument	20261532693
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4059 NELSON RD, DULUTH, MN 55803-2721

Mortgage

Document Number	0001532693,
Date	May 15, 2026
Instrument	20261532693

Lender

Name	INTERNATIONAL BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 04, 2051

Interest

Rate	6.75%
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4059 NELSON RD, DULUTH, MN 55803-2721
Document Number	00A1383665
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Aug 06, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4059 NELSON RD DULUTH MN 558032721, DULUTH, MN 55803-2721

Mortgage

Document Number	00A1383665
Date	Jun 26, 2020
Instrument	A1383665

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 17, 2018
Property Address	4059 NELSON RD, DULUTH, MN 55803-2721
Document Number	00A1338802
Instrument Date	Aug 14, 2018
Instrument	A1338802
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.65
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4059 NELSON RD DULUTH MN 558032721, DULUTH, MN 55803-2721

Mortgage

Document Number	A1338803
Date	Aug 17, 2018
Instrument	A1338803

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2048

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	$4,812.00 (+3.75%) Homeowner's exemption
2025	$4,638.00 (+2.38%) Homeowner's exemption	$372,600 (+0.13%) Land $72,000 Building $300,600	$372,600 (+0.13%) Land $72,000 Building $300,600
2024	$4,530.00	$372,100 (+16.9%) Land $71,500 Building $300,600	$372,100 (+16.9%) Land $71,500 Building $300,600
2022		$318,300 Land $67,800 Building $250,500	$318,300 Land $67,800 Building $250,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	3 in force
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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 30 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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