4796 Chesney Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4796 Chesney Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,008 sqft · built 1973
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,464 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`365-0010-04560`

Property Details

APN / Parcel Number

Primary APN	`365-0010-04560`
Alternative APNs	`1099900` `1165028`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	108,900 sqft (2.5 acres)
Garage Area	1,520 sqft
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1165028
Street Address	4796 CHESNEY RD
City	DULUTH
State	MN
Zip	55803-9471
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	W 330 FT OF NW 1/4 OF SE 1/4 EX SLY 990FT SERIAL #
Legal Range	15W
Legal Township	52N
Legal Section	25
Legal Subdivision	FREDENBERG TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1032
Census Tract	10602

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	6190 BEAVER RIVER RD, DULUTH, MN 55803-9472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Nov 16, 2020	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020
Deed Sale	Nov 16, 2020
Deed Document Number	20201396000
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	00A1396000
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4796 CHESNEY RD, DULUTH, MN 55803-9471
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001434639
Date	Jan 5, 2022
Instrument	1434639

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jan 1, 2045

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2020
Property Address	4796 CHESNEY RD, DULUTH, MN 55803-9471
Document Number	00A1396000
Instrument Date	Nov 4, 2020
Instrument	A1396000
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6190 BEAVER RIVER RD DULUTH MN 558039472, DULUTH, MN 55803-9472

Mortgage

Document Number	A1396001
Date	Nov 16, 2020
Instrument	A1396001

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 15, 2045

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	Fredenberg Township
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,464.00 (+2.75%) Homeowner's exemption
2025	$2,398.00 (+8.9%) Homeowner's exemption	$295,100 (+14.56%) Land $53,500 Building $241,600	$295,100 (+14.56%) Land $53,500 Building $241,600
2024	$2,202.00	$257,600 (+19.98%) Land $46,000 Building $211,600	$257,600 (+19.98%) Land $46,000 Building $211,600
2022		$214,700 Land $40,400 Building $174,300	$214,700 Land $40,400 Building $174,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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