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4285 Charles Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4285 Charles Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,571 sqft · built 2003
Lot Size1.99 acres (86,915 sqft)
OwnerIndividual Name on File
Last Sale$38,000 (Aug 2003)
Tax Bill$8,648 (2026)
Deeds & MortgagesApr 2019 Line of Credit
Jul 2020 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN520-0109-00030

Property Details

APN / Parcel Number

Primary APN520-0109-00030
Alternative APN
  • 752865

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories1 Story
Building Area2,571 sqft Gross Area
1st Floor Area1,709 sqft
Basement Area850 sqft
Finished Basement850 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialMetal
Construction TypeFrame
Lot Area86,915 sqft (1.99 acres)
Garage Area2,538 sqft

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchSlab
Porch Area383 sqft
Deck Area322 sqft
Patio Area390 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelPropane

Location & Zoning

Account Number752865
Street Address4285 CHARLES RD
CityDULUTH
StateMN
Zip55803-1294
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 3 BLOCK 1 SERIAL #
Legal SubdivisionGOLDENWOOD FIRST ADDITION
Legal Block1
Legal Lot Number3
JurisdictionST LOUIS MN
Township / Civil DivisionRICE LAKE
Census Block Group1
Census Block1004
Census Tract400

Owner

Source: St. Louis County records · APN 520-0109-00030

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 RecordIndividual Name on File
Mailing Address4285 CHARLES RD, DULUTH, MN 55803-1294
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 09, 2019Deed of Trust, Mortgage · Line of Credit
REPUBLIC BANK INC
Jul 10, 2020Deed of Trust, Mortgage · Line of Credit
BELL BK
Jul 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
BELL BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 29, 2003 · Amount on Record
Deed SaleAug 29, 2003 · Amount on Record
Prior SaleAug 07, 2003 · Amount on Record
Deed Document Number2003758578
Last Transfer DateJan 23, 2009
Transfer Doc0000864177
Record UpdatedSep 20, 2026

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4285 CHARLES RD, DULUTH, MN 55803-1294
Transaction TypeMortgage
Record UpdatedAug 15, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001009291
DateApr 09, 2019
Instrument1009291
Lender
NameREPUBLIC BANK INC
TypeBank
AddressDULUTH, MN 55802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term59 Months
DueMar 21, 2024
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4285 CHARLES RD, DULUTH, MN 55803-1294
Document Number00T1026729
Instrument DateJul 10, 2020
Transaction TypeMortgage
Record UpdatedAug 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4285 CHARLES RD DULUTH MN 558031294, DULUTH, MN 55803-1294

Mortgage

Document Number00T1026729
DateJul 31, 2020
InstrumentT1026729
Lender
NameBELL BK
AddressMINNEAPOLIS, MN 55416
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJul 30, 2030
Interest
Rate TypeAdjustable Rate

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4285 CHARLES RD, DULUTH, MN 55803-1294
Document Number00T1026255
Instrument DateJul 10, 2020
Transaction TypeMortgage
Record UpdatedAug 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4285 CHARLES RD DULUTH MN 558031294, DULUTH, MN 55803-1294

Mortgage

Document Number00T1026255
DateJul 22, 2020
InstrumentT1026255
Lender
NameBELL BK
AddressMINNEAPOLIS, MN 55416
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJul 21, 2035

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityRice Lake City
Unified School DistrictDuluth 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.

YearTax BillAssessed ValueAssessed Market Value
2026$8,648.00 (+3.62%) Homeowner's exemption
2025$8,346.00 (+5.81%) Homeowner's exemption$622,400 (+0.05%) Land $43,800 Building $578,600$622,400 (+0.05%) Land $43,800 Building $578,600
2024$7,888.00$622,100 (+18.81%) Land $43,500 Building $578,600$622,100 (+18.81%) Land $43,500 Building $578,600
2022$523,600 Land $41,500 Building $482,100$523,600 Land $41,500 Building $482,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 39% of Minnesota
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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