4908 Wildrose Trl, Duluth, MN 55811 Property Records

St. Louis County property record for 4908 Wildrose Trl, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,206 sqft · built 2008
Lot Size	2.54 acres (110,764 sqft)
Owner	Trust Name on File
Last Sale	$255,000 (Mar 2013)
Tax Bill	$9,264 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`395-0086-00200`

Property Details

APN / Parcel Number

Primary APN	`395-0086-00200`
Alternative APN	`931067`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,206 sqft Gross Area
1st Floor Area	3,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	110,764 sqft (2.54 acres)
Garage Area	1,200 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	931067
Street Address	4908 WILDROSE TRL
City	DULUTH
State	MN
Zip	55811-3781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLOCK 2 SERIAL #
Legal Subdivision	FOREST RIDGE ESTATES
Legal Block	2
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	2
Census Block	2016
Census Tract	10302

Owner

4908 Wildrose Trl is owner-occupied and held in a trust since February 2019.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	409 WILDROSE TRL, DULUTH, MN 55811
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
Mar 7, 2019	Grant Deed, Mortgage · Conventional Mortgage LEADERONE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2013 · Amount on File
Deed Sale	Mar 28, 2013 · Amount on File
Prior Sale	Aug 13, 2007 · Amount on File
Deed Document Number	20131210462
Last Transfer Date	Feb 11, 2019
Transfer Doc	00A1351198
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4908 WILDROSE TRL, DULUTH, MN 55811-3781
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001452276
Date	Sep 19, 2022
Instrument	1452276

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4908 WILDROSE TRL, DULUTH, MN 55811-3781
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403797
Date	Feb 12, 2021
Instrument	1403797

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

March 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 7, 2019
Property Address	4908 WILDROSE TRL, DULUTH, MN 55811-3781
Document Number	00A1351198
Instrument Date	Feb 11, 2019
Instrument	A1351198
Transaction Type	Mortgage
Record Updated	Mar 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$1.65

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4908 WILDROSE TRL HERMANTOWN MN 558113781, HERMANTOWN, MN 55811-3781

Mortgage

Document Number	A1351200
Date	Mar 7, 2019
Instrument	A1351200

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4908 Wildrose Trl was $9,264 with a homeowner's exemption, up 0.7% 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
Municipality	Hermantown City
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,264.00 (+0.72%) Homeowner's exemption
2025	$9,198.00 (+7.3%) Homeowner's exemption	$687,800 (+7.57%) Land $113,400 Building $574,400	$687,800 (+7.57%) Land $113,400 Building $574,400
2024	$8,572.00	$639,400 Land $109,400 Building $530,000	$639,400 Land $109,400 Building $530,000
2022		$535,300 Land $81,100 Building $454,200	$535,300 Land $81,100 Building $454,200

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

Flood

FEMA maps place 4908 Wildrose Trl 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	1 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 4908 Wildrose Trl is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Hermantown serves 7,215 people · EPA ID MN1690043
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Airfiber, Mediacom Xtream.

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