4605 McComber Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4605 McComber Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 924 sqft · built 2016
Lot Size	9.09 acres (395,960 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Oct 2025)
Tax Bill	$604 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone A (high risk)
APN	`520-0011-00880`

Property Details

APN / Parcel Number

Primary APN	`520-0011-00880`
Alternative APNs	`1062157` `1190269`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	924 sqft Gross Area
1st Floor Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Rustic
Exterior Material	Metal
Construction Type	Frame
Lot Area	395,960 sqft (9.09 acres)
Cabin	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Propane

Location & Zoning

Account Number	1190269
Street Address	4605 MCCOMBER RD
City	DULUTH
State	MN
Zip	55803-9458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SE1/4 OF NW1/4 EX W1/2 OF W1/2 & EX ELY 300FT & EX THAT PART LYING W OF ELY 600 FT 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	Individual Name on Record
Mailing Address	4605 MCCOMBER RD, DULUTH, MN 55803-9458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage COMPEER FINANCIAL FLCA
Nov 21, 2018	Quit Claim Deed, Transfer SUPERIOR CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Nov 6, 2014 · Amount on Record
Deed Document Number	20251521152
Prior Transfer Date	Oct 16, 2018
Prior Transfer Doc	0001345165
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 28, 2025
Property Address	4605 MCCOMBER RD, DULUTH, MN 55803-9458
Document Number	0001521152
Instrument Date	Sep 29, 2025
Instrument	1521152
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	NORTHEAST FL TITLE LLC, NORTHEAST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 MCCOMBER RD, DULUTH, MN 55803-9458

Mortgage

Document Number	0001521153
Date	Oct 28, 2025
Instrument	1521153

Lender

Name	COMPEER FINANCIAL FLCA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 21, 2018
Property Address	4605 MCCOMBER RD, DULUTH, MN 55803-9458
Document Number	0001345165
Instrument Date	Oct 16, 2018
Instrument	1345165
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	PIONEER ABSTRACT AND TITLE DULUT, PIONEER ABSTRACT & TITLE DULUT

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 MCCOMBER RD DULUTH MN 558039458, DULUTH, MN 55803-9458

Mortgage

Document Number	1345214
Date	Nov 21, 2018
Instrument	1345214

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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	$604.00 (+3.78%) Homeowner's exemption
2025	$582.00 (-2.68%) Homeowner's exemption	$71,500 (+5.46%) Land $50,600 Building $20,900	$71,500 (+5.46%) Land $50,600 Building $20,900
2024	$598.00 (-1.32%)	$67,800 (+4.47%) Land $50,600 Building $17,200	$67,800 (+4.47%) Land $50,600 Building $17,200
2023	$606.00 Homeowner's exemption
2022		$64,900 (+23.15%) Land $48,500 Building $16,400	$64,900 (+23.15%) Land $48,500 Building $16,400
2021		$52,700 Land $34,900 Building $17,800	$52,700 Land $34,900 Building $17,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

4G LTE (outdoors only), no 5G reported

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