4855 McComber Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4855 McComber Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2001
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$2,284 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`280-0012-00506`

Property Details

APN / Parcel Number

Primary APN	`280-0012-00506`
Alternative APN	`963790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,232 sqft Gross Area
1st Floor Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	900 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	100 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	963790
Street Address	4855 MCCOMBER RD
City	DULUTH
State	MN
Zip	55803-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	E1/2 OF NE1/4 OF SW1/4 OF NW1/4 SERIAL #
Legal Range	15W
Legal Township	51N
Legal Section	12
Legal Subdivision	CANOSIA TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	CANOSIA
Census Block Group	2
Census Block	2029
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	Individual Name on Record
Mailing Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CREDIT UNION
Nov 2, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Aug 17, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Apr 21, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 14, 2014
Transfer Doc	0001231612
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 3, 2026
Property Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423
Document Number	0001539873
Instrument Date	Aug 4, 2026
Instrument	20261539873
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423

Mortgage

Document Number	0001539873,
Date	Sep 3, 2026
Instrument	20261539873

Lender

Name	NORTHERN COMMUNITIES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423

Mortgage

Document Number	0001455589
Date	Nov 2, 2022
Instrument	1455589

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423
Document Number	00A1316615
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4855 MCCOMBER RD DULUTH MN 558039423, DULUTH, MN 55803-9423

Mortgage

Document Number	00A1316615
Date	Aug 31, 2017
Instrument	A1316615

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 30, 2032

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4855 MCCOMBER RD, DULUTH, MN 55803-9423
Document Number	00A1309097
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4855 MCCOMBER RD DULUTH MN 558039423, DULUTH, MN 55803-9423

Mortgage

Document Number	00A1309097
Date	May 11, 2017
Instrument	A1309097

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 10, 2032

Interest

Rate Type	Adjustable Rate

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,284.00 (+2.88%) Homeowner's exemption
2025	$2,220.00 (-0.45%) Homeowner's exemption	$254,300 (+3.21%) Land $120,200 Building $134,100	$254,300 (+3.21%) Land $120,200 Building $134,100
2024	$2,230.00	$246,400 (+16.23%) Land $116,700 Building $129,700	$246,400 (+16.23%) Land $116,700 Building $129,700
2022		$212,000 Land $101,200 Building $110,800	$212,000 Land $101,200 Building $110,800

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	2 in force
Nearby Flood Claims	2 (2022–2024)
Most Recent Claim	Jun 2024 · Severe Storms And Flooding

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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