4194 Nelson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4194 Nelson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,453 sqft · built 1994
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Jun 2005)
Tax Bill	$5,058 (2026)
Deeds & Mortgages	Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0017-00100`

Property Details

APN / Parcel Number

Primary APN	`520-0017-00100`
Alternative APN	`783983`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,453 sqft Gross Area
1st Floor Area	1,453 sqft
Basement Area	940 sqft
Finished Basement	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,472 sqft

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	130 sqft
Storage Building	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	783983
Street Address	4194 NELSON RD
City	DULUTH
State	MN
Zip	55803-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	W 1/2 OF SW 1/4 OF SW 1/4 OF NE 1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	28
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	2
Census Block	2016
Census Tract	10400

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	4194 NELSON RD, DULUTH, MN 55803-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2005 · Amount on Record
Deed Sale	Jun 27, 2005 · Amount on Record
Prior Sale	Sep 19, 2001 · Amount on Record
Deed Document Number	2005800109
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4194 NELSON RD, DULUTH, MN 55803-2713
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4194 NELSON RD, DULUTH, MN 55803-2713

Mortgage

Document Number	0001095846
Date	Nov 4, 2025
Instrument	1095846

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 15, 2035

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	$5,058.00 (+3.52%) Homeowner's exemption
2025	$4,886.00 (-5.42%) Homeowner's exemption	$389,900 (-) Land $66,200 Building $323,700	$389,900 (-) Land $66,200 Building $323,700
2024	$5,166.00	$389,900 (+4.84%) Land $66,200 Building $323,700	$389,900 (+4.84%) Land $66,200 Building $323,700
2022		$371,900 Land $63,300 Building $308,600	$371,900 Land $63,300 Building $308,600

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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20