4348 Salo Rd, Embarrass, MN 55732 Property Records

St. Louis County property record for 4348 Salo Rd, Embarrass, MN 55732

Property Summary

Property Type	Seasonal / Vacation Home
Details	384 sqft · built 2009
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on Record
Last Sale	$34,000 (Oct 2012)
Tax Bill	$674 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`565-0010-03190`

Property Details

APN / Parcel Number

Primary APN	`565-0010-03190`
Alternative APN	`940986`

Interior

Total Rooms	1 Room
Stories	1 Story
Building Area	384 sqft Gross Area
1st Floor Area	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	940986
Street Address	4348 SALO RD
City	EMBARRASS
State	MN
Zip	55732
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	FAM
Legal Description	NE 1/4 OF SE 1/4 SERIAL #
Legal Range	14W
Legal Township	60N
Legal Section	20
Legal Subdivision	WAASA TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	WAASA
Census Block Group	1
Census Block	1042
Census Tract	13900

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	PO BOX 137, BIWABIK, MN 55708-0137
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHRIDGE COMMUNITY CU
Dec 22, 2020	Deed of Trust, Mortgage · Conventional with PMI NORTHRIDGE CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2012 · Amount on Record
Deed Sale	Oct 30, 2012 · Amount on Record
Prior Sale	Sep 6, 2005 · Amount on Record
Deed Document Number	20121199273
Prior Transfer Date	Aug 14, 2001
Prior Transfer Doc	0000834009
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4348 SALO RD, EMBARRASS, MN 55732
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001458541
Date	Dec 13, 2022
Instrument	1458541

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jan 1, 2028

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4348 SALO RD, EMBARRASS, MN 55732
Document Number	00A1399633
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4348 SALO RD EMBARRASS MN 55732, EMBARRASS, MN 55732

Mortgage

Document Number	00A1399633
Date	Dec 28, 2020
Instrument	A1399633

Lender

Name	NORTHRIDGE CMNTY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Dec 27, 2025

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Waasa Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$674.00 (+5.97%)
2025	$636.00 (+12.37%)	$68,900 (+5.67%) Land $36,400 Building $32,500	$68,900 (+5.67%) Land $36,400 Building $32,500
2024	$566.00	$65,200 (+24.19%) Land $37,400 Building $27,800	$65,200 (+24.19%) Land $37,400 Building $27,800
2022		$52,500 Land $31,400 Building $21,100	$52,500 Land $31,400 Building $21,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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