4597 McComber Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4597 McComber Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,008 sqft · built 1977
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,000 (Oct 2024)
Tax Bill	$3,594 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`520-0011-00795`

Property Details

APN / Parcel Number

Primary APN	`520-0011-00795`
Alternative APNs	`1089838` `1172826`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	988 sqft
Porch	Slab
Deck Area	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1172826
Street Address	4597 MCCOMBER RD
City	DULUTH
State	MN
Zip	55803-9430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	W 1/2 OF W1/2 OF SW 1/4 OF NE1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	07
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	2
Census Block	2003
Census Tract	10400

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	2 Individual Names on Record
Mailing Address	4597 MCCOMBER RD, DULUTH, MN 55803-9430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2024 · Amount on Record
Deed Sale	Oct 9, 2024 · Amount on Record
Prior Sale	May 19, 2020 · Amount on Record
Deed Document Number	20241083873
Prior Transfer Date	May 1, 2002
Prior Transfer Doc	0000725155
Record Updated	Sep 20, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 19, 2020
Property Address	4597 MCCOMBER RD, DULUTH, MN 55803-9430
Document Number	00T1023571
Instrument Date	May 15, 2020
Instrument	T1023571
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$947.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4597 MCCOMBER RD DULUTH MN 558039430, DULUTH, MN 55803-9430

Mortgage

Document Number	T1023572
Date	May 19, 2020
Instrument	T1023572

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4597 MCCOMBER RD, DULUTH, MN 55803-9430
Document Number	00T1022888
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4597 MCCOMBER RD DULUTH MN 558039430, DULUTH, MN 55803-9430

Mortgage

Document Number	00T1022888
Date	Apr 29, 2020
Instrument	T1022888

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 28, 2035

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,594.00 (+3.57%) Homeowner's exemption
2025	$3,470.00 (-6.27%) Homeowner's exemption	$309,000 (+7.4%) Land $84,600 Building $224,400	$309,000 (+7.4%) Land $84,600 Building $224,400
2024	$3,702.00	$287,700 (+4.85%) Land $84,600 Building $203,100	$287,700 (+4.85%) Land $84,600 Building $203,100
2022		$274,400 Land $80,800 Building $193,600	$274,400 Land $80,800 Building $193,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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