4186 Jefferson Dr, Duluth, MN 55811 Property Records

St. Louis County property record for 4186 Jefferson Dr, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,994 sqft · built 2020
Lot Size	0.555 acres (24,212 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Dec 2019)
Tax Bill	$10,628 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`395-0193-00310`

Property Details

APN / Parcel Number

Primary APN	`395-0193-00310`
Alternative APN	`1125294`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,994 sqft Gross Area
1st Floor Area	2,387 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Lot Area	24,212 sqft (0.555 acres)
Garage Area	288 sqft
Porch	Slab
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1125294
Street Address	4186 JEFFERSON DR
City	DULUTH
State	MN
Zip	55811-2689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLOCK 4 SERIAL #
Legal Subdivision	JACKSON ESTATES 4TH ADDITION
Legal Block	4
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	1
Census Block	1000
Census Tract	10302

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	4186 JEFFERSON DR, DULUTH, MN 55811-2689
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Apr 22, 2020	Deed of Trust, Construction Loan · Construction Mortgage NATIONAL BK/CMRC
Dec 27, 2019	Warranty Deed, Subdivision Related Transfer STATE LOUIS TITLE LLC, ST LOUIS TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	20191370362
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4186 JEFFERSON DR, DULUTH, MN 55811-2689
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	ST LOUIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001407056
Date	Mar 16, 2021
Instrument	1407056

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Apr 22, 2020
Property Address	4186 JEFFERSON DR, DULUTH, MN 55811-2689
Document Number	00A1377883
Instrument Date	Apr 20, 2020
Instrument	A1377883
Transaction Type	Construction Loan
Record Updated	Jun 15, 2020
Title Company	STATE LOUIS COUNTY TITLE COMPANY, ST LOUIS CNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4186 JEFFERSON DR HERMANTOWN MN 55811, HERMANTOWN, MN 55811

Mortgage

Document Number	00A1377883
Date	Apr 22, 2020
Instrument	A1377883

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 21, 2021

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 27, 2019
Property Address	4186 JEFFERSON DR, DULUTH, MN 55811-2689
Document Number	00A1370362
Instrument Date	Dec 12, 2019
Instrument	A1370362
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2020
Title Company	STATE LOUIS TITLE LLC, ST LOUIS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$264.00
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	5861 SAINT LOUIS RIVER RD HERMANTOWN MN 558109594, HERMANTOWN, MN 55810-9594

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	Hermantown City
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,628.00 (+9.98%) Homeowner's exemption
2025	$9,664.00 (-0.21%) Homeowner's exemption	$775,800 (+16.29%) Land $106,100 Building $669,700	$775,800 (+16.29%) Land $106,100 Building $669,700
2024	$9,684.00	$667,100 (+12.59%) Land $102,000 Building $565,100	$667,100 (+12.59%) Land $102,000 Building $565,100
2022		$592,500 Land $75,900 Building $516,600	$592,500 Land $75,900 Building $516,600

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 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 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

May also be available: Verizon.

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