4190 Charles Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4190 Charles Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1951
Lot Size	3.09 acres (134,817 sqft)
Owner	Individual Name on Record
Last Sale	$308,000 (Sep 2024)
Tax Bill	$3,956 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0090-01360`

Property Details

APN / Parcel Number

Primary APN	`520-0090-01360`
Alternative APNs	`1171222` `89200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,368 sqft Gross Area
1st Floor Area	1,368 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	134,817 sqft (3.09 acres)
Garage Area	1,744 sqft
Deck Area	108 sqft
Storage Building	320 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1171222
Street Address	4190 CHARLES RD
City	DULUTH
State	MN
Zip	55803-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOTS 1 2 & 3 AND LOT 4 EX E1/2 SERIAL #
Legal Subdivision	COLMANS 4TH ACRE TR ADD TO DUL
Legal Block	4
Legal Lot Number	1-4
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	4190 CHARLES RD, DULUTH, MN 55803-1204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CREDIT UNION
Nov 29, 2023	Intrafamily Transfer, Transfer
Oct 7, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2024 · Amount on Record
Deed Sale	Sep 6, 2024 · Amount on Record
Deed Document Number	20241082752
Prior Transfer Date	Nov 20, 2023
Prior Transfer Doc	0001074767
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2026
Property Address	4190 CHARLES RD, DULUTH, MN 55803-1204
Document Number	0001102570
Instrument Date	Jun 1, 2026
Instrument	20261102570
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 CHARLES RD, DULUTH, MN 55803-1204

Mortgage

Document Number	0001102570,
Date	Jun 18, 2026
Instrument	20261102570

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 5, 2041

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Nov 29, 2023
Property Address	4190 CHARLES RD, DULUTH, MN 55803-1204
Document Number	0001074767
Instrument Date	Nov 20, 2023
Instrument	1074767
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4190 CHARLES RD, DULUTH, MN 55803-1204

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4190 CHARLES RD, DULUTH, MN 55803-1204
Document Number	00T1016507
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4190 CHARLES RD DULUTH MN 558031204, DULUTH, MN 55803-1204

Mortgage

Document Number	00T1016507
Date	Oct 22, 2019
Instrument	T1016507

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 21, 2039

Interest

Rate Type	Adjustable Rate

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	$3,956.00 (+19.88%) Homeowner's exemption
2025	$3,300.00 (+4.3%) Homeowner's exemption	$312,900 (+13.62%) Land $67,400 Building $245,500	$312,900 (+13.62%) Land $67,400 Building $245,500
2024		$275,400 (+16.01%) Land $67,600 Building $207,800	$275,400 (+16.01%) Land $67,600 Building $207,800
2023	$3,164.00 Homeowner's exemption
2022		$237,400 Land $64,200 Building $173,200	$237,400 Land $64,200 Building $173,200

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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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