St. Louis County property record for 4872 E Island Beach Ln, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,483 sqft · built 1969 |
| Lot Size | 7.52 acres (327,571 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,466 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2022 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 365-0010-02080 |
| Primary APN | 365-0010-02080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,010 sqft Living Area |
| Gross Area | 1,483 sqft |
| 1st Floor Area | 1,808 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Lot Area | 327,571 sqft (7.52 acres) |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Porch | Slab |
|---|---|
| Storage Building | 48 sqft |
| Pole Barn | 1,664 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1187064 |
|---|---|
| Street Address | 4872 E ISLAND BEACH LN |
| City | DULUTH |
| State | MN |
| Zip | 55803-9380 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | WLY 25 AC OF SW1/4 OF NW1/4 EX THAT PARTSUBJECT TO FLOWAGE RIGHTS AND EXCEPT THATPART LYING NORTH OF A LINE BEGINNING AT |
| Legal Range | 15W |
| Legal Township | 52N |
| Legal Section | 13 |
| Legal Subdivision | FREDENBERG TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10602 |
Source: St. Louis County records, as of October 20, 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 | 4872 E ISLAND BEACH LN, DULUTH, MN 55803-9380 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jan 3, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 30, 2012 |
| Transfer Doc | 0000915357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4872 E ISLAND BEACH LN, DULUTH, MN 55803-9380 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4872 E ISLAND BEACH LN, DULUTH, MN 55803-9380 |
| Document Number | 0001521457 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 1521457 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 3, 2022 |
| Property Address | 4872 E ISLAND BEACH LN, DULUTH, MN 55803-9380 |
| Document Number | 0001434354 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 1434354 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1356 119TH ST NW, MONTICELLO, MN 55362-6011 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Fredenberg Township |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,466.00 (+16.98%) Homeowner's exemption | ||
| 2025 | $2,108.00 (+2.33%) | $507,000 (+144.1%) Land $158,900 Building $348,100 | $507,000 (+144.1%) Land $158,900 Building $348,100 |
| 2024 | $2,060.00 | $207,700 (+4.74%) Land $161,500 Building $46,200 | $207,700 (+4.74%) Land $161,500 Building $46,200 |
| 2022 | $198,300 Land $154,300 Building $44,000 | $198,300 Land $154,300 Building $44,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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