4195 Willard Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4195 Willard Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,950 sqft · built 2022
Lot Size	0.948 acres (41,309 sqft)
Owner	Individual Name on File
Last Sale	$23,000 (Jun 2021)
Tax Bill	$4,868 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`520-0090-00010`

Property Details

APN / Parcel Number

Primary APN	`520-0090-00010`
Alternative APN	`1111698`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,950 sqft Gross Area
1st Floor Area	1,950 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	41,309 sqft (0.948 acres)
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1111698
Street Address	4195 WILLARD RD
City	DULUTH
State	MN
Zip	55803-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2, BLOCK 1 SERIAL #
Legal Subdivision	COLMANS FORTH ACRE TRACT
Legal Block	1
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1003
Census Tract	400

Owner

Source: St. Louis County records · APN 520-0090-00010

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	4195 WILLARD RD, DULUTH, MN 55803-1235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 03, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 03, 2023	Deed of Trust, Mortgage · Conventional Mortgage HERMANTOWN FCU
Feb 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage HERMANTOWN FCU
Jun 25, 2021	Warranty Deed, Transfer
Feb 22, 2019	Warranty Deed, Transfer SELLMAN TITLE COMPANY, SELLMAN TITLE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 25, 2021 · Amount on Record
Deed Sale	Jun 25, 2021 · Amount on Record
Prior Sale	Feb 22, 2019 · Amount on Record
Deed Document Number	20211417559
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Apr 03, 2026
Property Address	4195 WILLARD RD, DULUTH, MN 55803-1235
Document Number	0001530177
Instrument Date	Feb 23, 2026
Instrument	20261530177
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4195 WILLARD RD, DULUTH, MN 55803-1235
Investor	Possibly a Property Investor

Mortgage

Document Number	0001530177,
Date	Apr 03, 2026
Instrument	20261530177

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.09%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4195 WILLARD RD, DULUTH, MN 55803-1235
Transaction Type	Mortgage
Record Updated	Feb 24, 2023
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001461352
Date	Feb 03, 2023
Instrument	1461352

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Feb 01, 2028
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Max Rate	12.7%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4195 WILLARD RD, DULUTH, MN 55803-1235
Transaction Type	Mortgage
Record Updated	Sep 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4324 GILLIAT ST, DULUTH, MN 55804-2144

Mortgage

Document Number	0001437718
Date	Feb 17, 2022
Instrument	1437718

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 01, 2023

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 25, 2021
Property Address	4195 WILLARD RD, DULUTH, MN 55803-1235
Document Number	0001417559
Instrument Date	Jun 16, 2021
Instrument	1417559
Transaction Type	Transfer
Record Updated	Sep 06, 2022

Transaction

Amount	Amount Recorded
Tax	$75.90
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4197 WILLARD RD, DULUTH, MN 55803-1235

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 22, 2019
Property Address	4195 WILLARD RD, DULUTH, MN 55803-1235
Document Number	0001350506
Instrument Date	Dec 11, 2018
Instrument	1350506
Transaction Type	Transfer
Record Updated	Mar 01, 2019
Title Company	SELLMAN TITLE COMPANY, SELLMAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$29.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3497 RIVERSIDE DR COLUMBUS IN 472031504, COLUMBUS, IN 47203-1504

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	$4,868.00 (+3.66%)
2025	$4,696.00 (+4.26%)	$365,000 (+0.08%) Land $45,500 Building $319,500	$365,000 (+0.08%) Land $45,500 Building $319,500
2024	$4,504.00	$364,700 (+1,714.43%) Land $45,200 Building $319,500	$364,700 (+1,714.43%) Land $45,200 Building $319,500
2022		$20,100 Land $20,100	$20,100 Land $20,100

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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