St. Louis County property record for 4189 Charles Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 4 bd · 2.75 ba · 1,495 sqft · built 2008 |
| Lot Size | 4.4 acres (191,882 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Dec 2017) |
| Tax Bill | $5,944 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Nov 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0090-01310 |
| Primary APN | 520-0090-01310 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,495 sqft Gross Area |
| 1st Floor Area | 460 sqft |
| Basement Area | 696 sqft |
| Finished Basement | 696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 191,882 sqft (4.4 acres) |
| Garage Area | 1,200 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 40 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1042934 |
|---|---|
| Street Address | 4189 CHARLES RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1210 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | LOTS 50 THROUGH 54, BLOCK 3 SERIAL # |
| Legal Subdivision | COLMANS 4TH ACRE TR ADD TO DUL |
| Legal Block | 3 |
| Legal Lot Number | 50 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 400 |
Source: St. Louis County records · APN 520-0090-01310
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 | Individual Name on File |
|---|---|
| Mailing Address | 4189 CHARLES RD, DULUTH, MN 55803-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST |
| Nov 26, 2019 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Dec 05, 2017 | Warranty Deed, Transfer NORTHSHORE TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 05, 2017 · Amount on Record |
| Deed Sale | Dec 05, 2017 · Amount on Record |
| Deed Document Number | 20171323569 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4189 CHARLES RD, DULUTH, MN 55803-1210 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001444031 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 1444031 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | NEW ULM, MN 56073 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4189 CHARLES RD, DULUTH, MN 55803-1210 |
| Document Number | 00A1368810 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4189 CHARLES RD DULUTH MN 558031210, DULUTH, MN 55803-1210 |
| Document Number | 00A1368810 |
|---|---|
| Date | Dec 04, 2019 |
| Instrument | A1368810 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 03, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 05, 2017 |
| Property Address | 4189 CHARLES RD, DULUTH, MN 55803-1210 |
| Document Number | 00A1323569 |
| Instrument Date | Dec 01, 2017 |
| Instrument | A1323569 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | NORTHSHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,072.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4189 CHARLES RD DULUTH MN 558031210, DULUTH, MN 55803-1210 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $5,944.00 (+3.7%) Homeowner's exemption | ||
| 2025 | $5,732.00 (+2.83%) Homeowner's exemption | $451,600 (+0.13%) Land $85,800 Building $365,800 | $451,600 (+0.13%) Land $85,800 Building $365,800 |
| 2024 | $5,574.00 | $451,000 (+16.96%) Land $85,200 Building $365,800 | $451,000 (+16.96%) Land $85,200 Building $365,800 |
| 2022 | $385,600 Land $80,800 Building $304,800 | $385,600 Land $80,800 Building $304,800 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370004001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2012, rainfall accumulation, Severe Storms And Flooding |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
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