522 E Howard St, Hibbing, MN 55746 Property Records

St. Louis County property record for 522 E Howard St, Hibbing, MN 55746

Property Summary

Property Type	Commercial
Details	17,504 sqft · built 1978
Lot Size	0.12 acres (5,236 sqft)
Owner	Company Name on Record
Last Sale	$700,000 (Dec 2018)
Tax Bill	$5,646 (2026)
Deeds & Mortgages	Jun 2026 Construction Loan Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`140-0070-01340`

Property Details

APN / Parcel Number

Primary APN	`140-0070-01340`
Alternative APN	`1064029`

Interior

Units	2 Units
Stories	2 Stories
Building Area	17,504 sqft Gross Area
1st Floor Area	8,752 sqft
Basement Area	8,752 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Exterior Material	Brick Veneer
Lot Area	5,236 sqft (0.12 acres)
Garage Area	7,900 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Steam

Location & Zoning

Account Number	1064029
Street Address	522 E HOWARD ST
City	HIBBING
State	MN
Zip	55746-1714
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ALL OF LOT 11 & WLY 15.30 FT OF LOT 12 SERIAL #
Legal Subdivision	CENTRAL ADDITION
Legal Block	8
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	HIBBING
Census Block Group	2
Census Block	2011
Census Tract	12300

Owner

Source: St. Louis County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	708 9TH ST S, VIRGINIA, MN 55792-3122
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Construction Mortgage NORTHERN STATE BANK/VA
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN STATE BANK/VA
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN STATE BANK OF VIRGINIA
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN STATE BANK OF VIRGINIA
Dec 20, 2018	Warranty Deed, Transfer NORTHERN ST BK/VA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Sep 11, 2001 · Amount on Record
Deed Document Number	20181006238
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2026
Property Address	522 E HOWARD ST, HIBBING, MN 55746-1714
Document Number	0001102500
Instrument Date	Jun 16, 2026
Instrument	20261102500
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	708 9TH ST S, VIRGINIA, MN 55792-3122

Mortgage

Document Number	0001102500,
Date	Jun 16, 2026
Instrument	20261102500

Lender

Name	NORTHERN STATE BANK/VA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 15, 2027

Interest

Rate	6.51%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2026
Property Address	522 E HOWARD ST, HIBBING, MN 55746-1714
Document Number	0001102502
Instrument Date	May 19, 2026
Instrument	20261102502
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICA TITLE, AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	708 9TH ST S, VIRGINIA, MN 55792-3122

Mortgage

Document Number	0001102502,
Date	Jun 16, 2026
Instrument	20261102502

Lender

Name	NORTHERN STATE BANK/VA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2031

Interest

Rate	6.23%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	522 E HOWARD ST, HIBBING, MN 55746-1714
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 9TH ST S, VIRGINIA, MN 55792-3122

Mortgage

Document Number	0001072334
Date	Sep 15, 2023
Instrument	1072334

Lender

Name	NORTHERN STATE BANK OF VIRGINIA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Aug 23, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	522 E HOWARD ST, HIBBING, MN 55746-1714
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 9TH ST S, VIRGINIA, MN 55792-3122

Mortgage

Document Number	0001059439
Date	Jul 29, 2022
Instrument	1059439

Lender

Name	NORTHERN STATE BANK OF VIRGINIA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jul 1, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2018
Property Address	522 E HOWARD ST, HIBBING, MN 55746-1714
Document Number	00T1006238
Instrument Date	Dec 19, 2018
Instrument	T1006238
Transaction Type	Transfer
Record Updated	Jan 4, 2019
Title Company	SELLMAN TITLE COMPANY, SELLMAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9602 HIGHWAY 22 ANGORA MN 557038208, ANGORA, MN 55703-8208
Investor	Possibly a Property Investor

Mortgage

Document Number	T1006239
Date	Dec 20, 2018
Instrument	T1006239

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Dec 19, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Hibbing City
Unified School District	Hibbing Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,646.00 (+32.85%)
2025	$4,250.00 (-3.14%)	$229,800 (+34.23%) Land $14,700 Building $215,100	$229,800 (+34.23%) Land $14,700 Building $215,100
2024	$4,388.00 (-12.24%)	$171,200 (-3.49%) Land $12,700 Building $158,500	$171,200 (-3.49%) Land $12,700 Building $158,500
2023	$5,000.00
2022		$177,400 (-) Land $12,700 Building $164,700	$177,400 (-) Land $12,700 Building $164,700
2021		$177,400 Land $12,700 Building $164,700	$177,400 Land $12,700 Building $164,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	None beyond ember reach

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	Hibbing serves 16,028 people · EPA ID MN1690022
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	14 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 579 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: CTC, Verizon.

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