St. Louis County property record for 4990 Trails End Dr, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,476 sqft · built 2022 |
| Lot Size | 0.768 acres (33,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (Oct 2016) |
| Tax Bill | $10,940 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2021 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 395-0175-00400 |
| Primary APN | 395-0175-00400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,476 sqft Gross Area |
| 1st Floor Area | 2,476 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Construction Type | Frame |
| Lot Area | 33,454 sqft (0.768 acres) |
| Garage Area | 3,579 sqft |
| Porch | Slab |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1146648 |
|---|---|
| Street Address | 4990 TRAILS END DR |
| City | DULUTH |
| State | MN |
| Zip | 55811-3688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLOCK 8 SERIAL # |
| Legal Subdivision | TIMBER TRAILS ESTATES |
| Legal Block | 8 |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | HERMANTOWN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 10301 |
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 | 4990 TRAILS END DR, DULUTH, MN 55811-3688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Oct 1, 2021 | Deed of Trust, Mortgage · Construction Mortgage NATIONAL BANK OF COMMERCE |
| Nov 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2016 · Amount on Record |
| Deed Sale | Oct 7, 2016 · Amount on Record |
| Deed Document Number | 2016977041 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | DULUTH, MN 55811 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | NORTH DAKOTA GUARANTY AND TITLE, NORTH DAKOTA GUARANTY & TTL |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001047306 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 1047306 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Oct 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | DULUTH, MN 55811 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Address | 109 CHAMBERSBURG DR, DULUTH, MN 55811-3225 |
| Investor | Possibly a Property Investor |
| Document Number | 0001047619 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 1047619 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | DULUTH, MN 55811 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001063820 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 1063820 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | 1-Year T-Bill |
| Max Rate | 10.2% |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Hermantown City |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,940.00 (+8.66%) Homeowner's exemption | ||
| 2025 | $10,068.00 (+6.25%) Homeowner's exemption | $795,500 (+15.09%) Land $103,600 Building $691,900 | $795,500 (+15.09%) Land $103,600 Building $691,900 |
| 2024 | $9,476.00 | $691,200 (+832.79%) Land $99,600 Building $591,600 | $691,200 (+832.79%) Land $99,600 Building $591,600 |
| 2022 | $74,100 Land $74,100 | $74,100 Land $74,100 |
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 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.
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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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