4865 Jensen Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4865 Jensen Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,380 sqft · built 1988
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$217,400 (Nov 2009)
Tax Bill	$5,416 (2026)
Deeds & Mortgages	Oct 2022 Second Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0019-00410`

Property Details

APN / Parcel Number

Primary APN	`520-0019-00410`
Alternative APN	`891667`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,380 sqft Gross Area
1st Floor Area	1,260 sqft
Upper Floors Area	1 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,596 sqft
Deck Area	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	891667
Street Address	4865 JENSEN RD
City	DULUTH
State	MN
Zip	55803-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	N1/2 OF SW1/4 OF NE1/4 OF NE1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	34
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1037
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0019-00410

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	4865 JENSEN RD, DULUTH, MN 55803-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 03, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBERS COOPERATIVE CU
Aug 04, 2020	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 13, 2009 · Amount on Record
Deed Sale	Nov 13, 2009 · Amount on Record
Deed Document Number	20091122738
Prior Transfer Date	Feb 25, 2003
Prior Transfer Doc	0000889258
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4865 JENSEN RD, DULUTH, MN 55803-1334
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001453335
Date	Oct 03, 2022
Instrument	1453335

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 28, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4865 JENSEN RD, DULUTH, MN 55803-1334
Document Number	00A1387913
Instrument Date	Aug 04, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4865 JENSEN RD DULUTH MN 558031334, DULUTH, MN 55803-1334

Mortgage

Document Number	00A1387913
Date	Aug 14, 2020
Instrument	A1387913

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2040

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,416.00 (+3.72%) Homeowner's exemption
2025	$5,222.00 (+2.59%) Homeowner's exemption	$414,800 (+0.14%) Land $87,400 Building $327,400	$414,800 (+0.14%) Land $87,400 Building $327,400
2024	$5,090.00	$414,200 (+16.68%) Land $86,800 Building $327,400	$414,200 (+16.68%) Land $86,800 Building $327,400
2022		$355,000 Land $82,300 Building $272,700	$355,000 Land $82,300 Building $272,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 56 locations within half a mile of this property.

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