Carlton County property record for 4646 Split Rock Rd, Sturgeon Lake, MN 55783
| Property Type | Single Family Home |
|---|---|
| Details | 1,440 sqft · built 2014 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Sep 2026) |
| Tax Bill | $2,228 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 75-010-4345 |
| Primary APN | 75-010-4345 |
|---|---|
| Alternative APN |
|
| Building Area | 1,440 sqft Living Area |
|---|
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 871,200 sqft (20 acres) |
| Total Buildings | 2 Buildings |
| Account Number | 24818 |
|---|---|
| Street Address | 4646 SPLIT ROCK RD |
| City | STURGEON LAKE |
| State | MN |
| Zip | 55783-8702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S1/2 OF NW1/4 OF SW1/4 |
| Legal Range | 21 |
| Legal Township | 46 |
| Legal Section | 27 |
| Legal Subdivision | TOWN OF SPLIT ROCK |
| Jurisdiction | CARLTON MN |
| Township / Civil Division | SPLIT ROCK |
| Census Block Group | 3 |
| Census Block | 3057 |
| Census Tract | 70600 |
4646 Split Rock Rd is owned and occupied by two individuals who bought it in September 2026.
Source: Carlton County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4646 SPLIT ROCK RD, STURGEON LAKE, MN 55783-8702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2026 | Contract Sale, Transfer |
| Jul 16, 2018 | Deed of Trust, Mortgage FIRST NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on File |
| Deed Sale | Sep 1, 2026 · Amount on File |
| Prior Sale | Jul 24, 2013 · Amount on File |
| Deed Document Number | 2026528543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Sep 1, 2026 |
| Property Address | 4646 SPLIT ROCK RD, STURGEON LAKE, MN 55783-8702 |
| Document Number | 0000528543 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 2026528543 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $91,657.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4646 SPLIT ROCK RD, STURGEON LAKE, MN 55783-8702 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 4646 SPLIT ROCK RD, STURGEON LAKE, MN 55783-8702 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000481221 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | A000481221 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 114 Months |
| Due | Jan 1, 2028 |
The 2026 property tax bill for 4646 Split Rock Rd was $2,228 with a homeowner's exemption.
Source: Carlton County assessment roll, as of April 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carlton County |
| County Subdivision | Split Rock Township |
| Unified School District | Moose Lake Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,228.00 Homeowner's exemption | ||
| 2025 | $239,800 (+3.41%) Land $86,200 Building $153,600 | $239,800 (+3.41%) Land $86,200 Building $153,600 | |
| 2024 | $2,166.00 Homeowner's exemption | $231,900 (+5.36%) Land $86,200 Building $145,700 | $231,900 (+5.36%) Land $86,200 Building $145,700 |
| 2023 | $2,166.00 Homeowner's exemption | $220,100 (-) Land $81,900 Building $138,200 | $220,100 (-) Land $81,900 Building $138,200 |
| 2022 | $220,100 Land $81,900 Building $138,200 | $220,100 Land $81,900 Building $138,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4646 Split Rock Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 13, 2024 · 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 | 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 risk around 4646 Split Rock Rd is low, with a 0.02% 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 | 0.02% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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