St. Louis County property record for 4557 Three Lakes Rd, Duluth, MN 55803
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 1 ba · 840 sqft · built 2006 |
| Lot Size | 40 acres (1,742,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Aug 2007) |
| Tax Bill | $1,910 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 640-0010-05040 |
| Primary APN | 640-0010-05040 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 840 sqft Gross Area |
| 1st Floor Area | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 1,742,400 sqft (40 acres) |
| Garage Area | 352 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Storage Building | 288 sqft |
| Sauna | Sauna |
| Heating Fuel | Gas |
|---|
| Account Number | 1105779 |
|---|---|
| Street Address | 4557 THREE LAKES RD |
| City | DULUTH |
| State | MN |
| Zip | 55803 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | FAM |
| Legal Description | SW 1/4 OF SE 1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 54N |
| Legal Section | 31 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 11402 |
4557 Three Lakes Rd, a residential property, is owned by an individual who acquired it in February 2009.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5180 UGSTAD RD, DULUTH, MN 55811-9704 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2007 · Amount on File |
| Deed Sale | Aug 10, 2007 · Amount on File |
| Deed Document Number | 20071059444 |
| Last Transfer Date | Feb 6, 2009 |
| Transfer Doc | 0001103849 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 4557 Three Lakes Rd was $1,910, up 14.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,910.00 (+14.23%) | ||
| 2025 | $1,672.00 (+12.97%) | $156,100 (+9.7%) Land $62,800 Building $93,300 | $156,100 (+9.7%) Land $62,800 Building $93,300 |
| 2024 | $1,480.00 (-2.12%) | $142,300 Land $49,100 Building $93,200 | $142,300 Land $49,100 Building $93,200 |
| 2023 | $1,512.00 | ||
| 2022 | $129,700 (+8.99%) Land $45,200 Building $84,500 | $129,700 (+8.99%) Land $45,200 Building $84,500 | |
| 2021 | $119,000 Land $43,200 Building $75,800 | $119,000 Land $43,200 Building $75,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4557 Three Lakes Rd in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 4557 Three Lakes Rd is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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