4875 Toivonen Rd, Makinen, MN 55763 Property Records

St. Louis County property record for 4875 Toivonen Rd, Makinen, MN 55763

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 960 sqft · built 1988
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2021)
Tax Bill	$1,972 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`300-0010-03850`

Property Details

APN / Parcel Number

Primary APN	`300-0010-03850`
Alternative APNs	`1106893` `1164119`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	864 sqft
Finished Basement	864 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	435,600 sqft (10 acres)
Garage Area	576 sqft
Deck Area	160 sqft
Lean-To	352 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1164119
Street Address	4875 TOIVONEN RD
City	MAKINEN
State	MN
Zip	55763-8027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	SW1/4 OF NW1/4 EX E1/2 AND EX W1/2OF W1/2 SERIAL #
Legal Range	15W
Legal Township	56N
Legal Section	24
Legal Subdivision	COLVIN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	COLVIN
Census Block Group	2
Census Block	2205
Census Tract	11401

Owner

4875 Toivonen Rd is owned and occupied by an individual who acquired it in April 2024.

Source: St. Louis County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit UW CREDIT UNION
Apr 4, 2024	Intrafamily Transfer, Transfer NORTHEAST TITLE COMPANY
Apr 7, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
May 16, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Prior Sale	May 11, 2012 · Amount on File
Deed Document Number	20211038961
Last Transfer Date	Apr 2, 2024
Transfer Doc	0001078244
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 22, 2026
Property Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027
Document Number	0001106200
Instrument Date	Jul 30, 2026
Instrument	20261106200
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027

Mortgage

Document Number	0001106200,
Date	Sep 22, 2026
Instrument	20261106200

Lender

Name	UW CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2056

Interest

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

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Apr 4, 2024
Property Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027
Document Number	0001078244
Instrument Date	Apr 2, 2024
Instrument	1078244
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	NORTHEAST TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4875 TOPLVONEN ROAD, MAKINEN, MN 55763

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 7, 2021
Property Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027
Document Number	0001038961
Instrument Date	Mar 29, 2021
Instrument	1038961
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027

Mortgage

Document Number	0001038962
Date	Apr 7, 2021
Instrument	1038962

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 16, 2018
Property Address	4875 TOIVONEN RD, MAKINEN, MN 55763-8027
Document Number	000T998052
Instrument Date	May 11, 2018
Instrument	T998052
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$66.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4875 TOIVONEN RD MAKINEN MN 557638027, MAKINEN, MN 55763-8027

Tax Assessment & Valuation

The 2026 property tax bill for 4875 Toivonen Rd was $1,972 with a homeowner's exemption, down 7.9% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Colvin Township
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,972.00 (-7.85%) Homeowner's exemption
2025	$2,140.00 (+33.08%) Homeowner's exemption	$268,400 (+3.95%) Land $45,600 Building $222,800	$268,400 (+3.95%) Land $45,600 Building $222,800
2024	$1,608.00	$258,200 Land $50,400 Building $207,800	$258,200 Land $50,400 Building $207,800
2022		$167,900 Land $42,200 Building $125,700	$167,900 Land $42,200 Building $125,700

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

Flood

FEMA maps place 4875 Toivonen Rd in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 4875 Toivonen 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Toivonen Rd

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