Itasca County property record for 538 4th St SE, Deer River, MN 56636
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 810 sqft |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $104,000 (Jul 2022) |
| Tax Bill | $1,540 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 89-490-0202 |
| Primary APN | 89-490-0202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 810 sqft Base Area |
| 1st Floor Area | 810 sqft |
| Exterior Material | Composition/Composite |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 140 sqft |
| Lean-To | 260 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 142653 |
|---|---|
| Street Address | 538 4TH ST SE |
| City | DEER RIVER |
| State | MN |
| Zip | 56636-8622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | M |
| Legal Description | LOTS 01 0 & 1 BLK 2 |
| Legal Range | 25W |
| Legal Township | 145 |
| Legal Section | 36 |
| Legal Subdivision | SECOND ADDITION TO ITASCA CITY |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | ITASCA MN |
| Township / Civil Division | DEER RIVER |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 480302 |
538 4th St SE is owned and occupied by two individuals who bought it in July 2022.
Source: Itasca County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 4TH ST NE, DEER RIVER, MN 56636 |
| 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.
| Date | Document |
|---|---|
| Sep 7, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) MEMBERS COOPERATIVE CREDIT UNION |
| Jul 11, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage MEMBERS COOPERATIVE CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2022 · Amount on File |
| Deed Sale | Jul 8, 2022 · Amount on File |
| Prior Sale | Jul 18, 2005 · Amount on File |
| Deed Document Number | 20221437605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ITASCA MN |
| Property Address | 538 4TH ST SE, DEER RIVER, MN 56636-8622 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | A000766416 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | A000766416 |
| Name | MEMBERS COOPERATIVE CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ITASCA MN |
| Recording Date | Jul 11, 2022 |
| Property Address | 538 4TH ST SE, DEER RIVER, MN 56636-8622 |
| Document Number | A000764821 |
| Instrument Date | Jul 8, 2022 |
| Instrument | A000764821 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 538 4TH ST SE, DEER RIVER, MN 56636-8622 |
| Document Number | A000764822 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | A000764822 |
| Name | MEMBERS COOPERATIVE CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.6% |
| Type Change Date | Jul 8, 2032 |
| Max Rate At Change | 1.7% |
| Index | Other |
The 2026 property tax bill for 538 4th St SE was $1,540 with a homeowner's exemption.
Source: Itasca County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Itasca County |
| Municipality | Deer River City |
| Unified School District | Deer River Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,540.00 Homeowner's exemption | ||
| 2025 | $105,700 Land $5,500 Building $100,200 | $105,700 Land $5,500 Building $100,200 | |
| 2024 | $2,426.00 | ||
| 2022 | $82,500 Land $5,500 Building $77,000 | $82,500 Land $5,500 Building $77,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 4th St SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 538 4th St SE 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | Deer River serves 942 people · EPA ID MN1310007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2023–2025) 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 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Paul Bunyan Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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