St. Louis County property record for 4156 Charles Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,696 sqft · built 2016 |
| Lot Size | 1.41 acres (61,747 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $6,114 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0090-01480 |
| Primary APN | 520-0090-01480 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,696 sqft Gross Area |
| 1st Floor Area | 1,696 sqft |
| Basement Area | 1,568 sqft |
| Finished Basement | 1,568 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 61,747 sqft (1.41 acres) |
| Garage Area | 960 sqft |
| Porch | Slab |
| Porch Area | 164 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 953196 |
|---|---|
| Street Address | 4156 CHARLES RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 AND W1/2 OF LOT 13 BLK 4 SERIAL # |
| Legal Subdivision | COLMANS 4TH ACRE TR ADD TO DUL |
| Legal Block | 4 |
| Legal Lot Number | 12-13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 400 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 5776 RICE LAKE RD, DULUTH, MN 55803-9331 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 4, 2025 | Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE |
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4156 CHARLES RD, DULUTH, MN 55803-1204 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001521721 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 1521721 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4156 CHARLES RD, DULUTH, MN 55803-1204 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001095713 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 1095713 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,114.00 (+3.63%) | ||
| 2025 | $5,900.00 (+4.28%) | $459,000 (+0.07%) Land $42,500 Building $416,500 | $459,000 (+0.07%) Land $42,500 Building $416,500 |
| 2024 | $5,658.00 | $458,700 (+18.4%) Land $42,200 Building $416,500 | $458,700 (+18.4%) Land $42,200 Building $416,500 |
| 2022 | $387,400 Land $40,200 Building $347,200 | $387,400 Land $40,200 Building $347,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
5G (outdoors only) and 4G LTE
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