4162 Charles Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4162 Charles Rd, Duluth, MN 55803

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 1,696 sqft · built 2015
Lot Size	1.42 acres (62,088 sqft)
Owner	Company Name on File
Tax Bill	$7,486 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`520-0090-01450`

Property Details

APN / Parcel Number

Primary APN	`520-0090-01450`
Alternative APN	`953196`

Interior

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

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Duplex Single
Exterior Material	Block
Construction Type	Frame
Lot Area	62,088 sqft (1.42 acres)
Garage Area	960 sqft
Porch	Slab
Porch Area	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	953196
Street Address	4162 CHARLES RD
City	DULUTH
State	MN
Zip	55803-1204
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT 11 AND E1/2 OF LOT 10 BLK 4 SERIAL #
Legal Subdivision	COLMANS 4TH ACRE TR ADD TO DUL
Legal Block	4
Legal Lot Number	10-11
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 · APN 520-0090-01450

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	Company Name on File
Mailing Address	5776 RICE LAKE RD, DULUTH, MN 55803-9331
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 04, 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

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4162 CHARLES RD, DULUTH, MN 55803-1204
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001521721
Date	Nov 04, 2025
Instrument	1521721

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4162 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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001095713
Date	Oct 31, 2025
Instrument	1095713

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$7,486.00 (+3.71%)
2025	$7,218.00 (+4.34%)	$457,800 (+0.07%) Land $42,500 Building $415,300	$457,800 (+0.07%) Land $42,500 Building $415,300
2024	$6,918.00	$457,500 (+18.4%) Land $42,200 Building $415,300	$457,500 (+18.4%) Land $42,200 Building $415,300
2022		$386,400 Land $40,200 Building $346,200	$386,400 Land $40,200 Building $346,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 46 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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