4205 Charles Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4205 Charles Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,976 sqft · built 2002
Lot Size	2.09 acres (91,467 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,680 (2026)
Deeds & Mortgages	Jul 2022 Transfer Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`520-0108-00010`

Property Details

APN / Parcel Number

Primary APN	`520-0108-00010`
Alternative APN	`523206`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,976 sqft Gross Area
1st Floor Area	1,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	91,467 sqft (2.09 acres)
Garage Area	674 sqft
Deck Area	432 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	523206
Street Address	4205 CHARLES RD
City	DULUTH
State	MN
Zip	55803-1294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 0001 BLOCK:001 SERIAL #
Legal Subdivision	GOLDENWOOD DIV
Legal Block	1
Legal Lot Number	1
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 · APN 520-0108-00010

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	2 Individual Names on File
Mailing Address	4205 CHARLES RD, DULUTH, MN 55803-1294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Transfer on Death Deed, Transfer
Jun 08, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 24, 2022
Transfer Doc	0001058940
Record Updated	Sep 20, 2026

July 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 18, 2022
Property Address	4205 CHARLES RD, DULUTH, MN 55803-1294
Document Number	0001058940
Instrument Date	Jun 24, 2022
Instrument	1058940
Transaction Type	Transfer
Record Updated	Aug 30, 2022

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
Address	4205 CHARLES RD, DULUTH, MN 55803-1294

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4205 CHARLES RD, DULUTH, MN 55803-1294
Document Number	000T986265
Instrument Date	Jun 08, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4205 CHARLES RD DULUTH MN 558031294, DULUTH, MN 55803-1294

Mortgage

Document Number	000T986265
Date	Jun 21, 2017
Instrument	T986265

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2047

Interest

Rate Type	Adjustable Rate

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	$6,680.00 (+3.66%) Homeowner's exemption
2025	$6,444.00 (+4.04%) Homeowner's exemption	$502,700 (+0.1%) Land $60,900 Building $441,800	$502,700 (+0.1%) Land $60,900 Building $441,800
2024	$6,194.00	$502,200 (+18.03%) Land $60,400 Building $441,800	$502,200 (+18.03%) Land $60,400 Building $441,800
2022		$425,500 Land $57,400 Building $368,100	$425,500 Land $57,400 Building $368,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 59 locations within half a mile of this property.

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