St. Louis County property record for 4091 Stebner Rd, Hermantown, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,508 sqft · built 2002 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Apr 2011) |
| Tax Bill | $5,872 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 395-0010-06083 |
| Primary APN | 395-0010-06083 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,508 sqft Gross Area |
| 1st Floor Area | 1,508 sqft |
| Basement Area | 1,114 sqft |
| Finished Basement | 1,114 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Area | 720 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 192 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 914843 |
|---|---|
| Street Address | 4091 STEBNER RD |
| City | HERMANTOWN |
| State | MN |
| Zip | 55811-1731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF NE1/4 OF NE1/4 COMM AT NE COR OFSEC 23 THENCE S00DEG28'32"E ALONG E LINE256.94 FT TO PT OF BEG THENCE |
| Legal Range | 15W |
| Legal Township | 50N |
| Legal Section | 23 |
| Legal Subdivision | HERMANTOWN CITY OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | HERMANTOWN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 10302 |
4091 Stebner Rd is owned and occupied by an individual who bought it in April 2011.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4091 STEBNER RD, HERMANTOWN, MN 55811-1731 |
| 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.
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2011 · Amount on File |
| Deed Sale | Apr 6, 2011 · Amount on File |
| Prior Sale | Jun 17, 2005 · Amount on File |
| Deed Document Number | 2011898654 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4091 STEBNER RD, HERMANTOWN, MN 55811-1731 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001038511 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 1038511 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4091 STEBNER RD, HERMANTOWN, MN 55811-1731 |
| Document Number | 00T1013518 |
| Instrument Date | Jul 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4091 STEBNER RD HERMANTOWN MN 558111731, HERMANTOWN, MN 55811-1731 |
| Document Number | 00T1013518 |
|---|---|
| Date | Aug 9, 2019 |
| Instrument | T1013518 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 8, 2049 |
The 2026 property tax bill for 4091 Stebner Rd was $5,872 with exemptions applied, up 0.7% 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 | $5,872.00 (+0.69%) Homeowner's exemption Disabled Person's exemption | ||
| 2025 | $5,832.00 (+8.85%) Homeowner's exemption Disabled Person's exemption | $461,500 (+0.85%) Land $45,100 Building $416,400 | $461,500 (+0.85%) Land $45,100 Building $416,400 |
| 2024 | $5,358.00 | $457,600 Land $42,900 Building $414,700 | $457,600 Land $42,900 Building $414,700 |
| 2022 | $367,900 Land $37,800 Building $330,100 | $367,900 Land $37,800 Building $330,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4091 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.
The area around 4091 Stebner Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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