4138 Charles Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4138 Charles Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,730 sqft · built 1987
Lot Size	0.939 acres (40,938 sqft)
Owner	Individual Name on Record
Last Sale	$527,000 (Jul 2023)
Tax Bill	$6,058 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0090-01510`

Property Details

APN / Parcel Number

Primary APN	`520-0090-01510`
Alternative APNs	`1074794` `1151856`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,730 sqft Gross Area
1st Floor Area	910 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Frame
Lot Area	40,938 sqft (0.939 acres)
Garage Area	2,396 sqft
Deck Area	40 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1151856
Street Address	4138 CHARLES RD
City	DULUTH
State	MN
Zip	55803-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 0016 BLOCK:004 SERIAL #
Legal Subdivision	COLMANS 4TH ACRE TR ADD TO DUL
Legal Block	4
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1004
Census Tract	400

Owner

Source: St. Louis County records, as of August 17, 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 Record
Mailing Address	4138 CHARLES RD, DULUTH, MN 55803-1204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 30, 2019	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2023 · Amount on Record
Deed Sale	Jul 25, 2023 · Amount on Record
Prior Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	20231470671
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 25, 2023
Property Address	4138 CHARLES RD, DULUTH, MN 55803-1204
Document Number	0001470671
Instrument Date	Jul 14, 2023
Instrument	1470671
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,739.10
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4138 CHARLES RD, RICE LAKE, MN 55803-1204

Mortgage

Document Number	0001470672
Date	Jul 25, 2023
Instrument	1470672

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2038

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 30, 2019
Property Address	4138 CHARLES RD, DULUTH, MN 55803-1204
Document Number	00A1359649
Instrument Date	Jul 25, 2019
Instrument	A1359649
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,319.67
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4138 CHARLES RD DULUTH MN 558031204, DULUTH, MN 55803-1204

Mortgage

Document Number	A1359650
Date	Jul 30, 2019
Instrument	A1359650

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,058.00 (+3.24%) Homeowner's exemption
2025	$5,868.00 (+23.12%) Homeowner's exemption	$458,700 (-0.3%) Land $43,200 Building $415,500	$458,700 (-0.3%) Land $43,200 Building $415,500
2024	$4,766.00 (+3.88%)	$460,100 (+39.42%) Land $42,900 Building $417,200	$460,100 (+39.42%) Land $42,900 Building $417,200
2023	$4,588.00 Homeowner's exemption
2022		$330,000 (-0.66%) Land $40,900 Building $289,100	$330,000 (-0.66%) Land $40,900 Building $289,100
2021		$332,200 Land $36,900 Building $295,300	$332,200 Land $36,900 Building $295,300

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

Flood

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 Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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