6038 Charles Rd, Saginaw, MN 55779 Property Records

St. Louis County property record for 6038 Charles Rd, Saginaw, MN 55779

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,500 sqft · built 1991
Lot Size	1.33 acres (58,224 sqft)
Owner	Company Name on Record
Last Sale	$560,000 (Jul 2022)
Tax Bill	$4,574 (2026)
Deeds & Mortgages	May 2024 Line of Credit Jan 2024 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`380-0116-00050`

Property Details

APN / Parcel Number

Primary APN	`380-0116-00050`
Alternative APNs	`1074692` `1142581` `1160083`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,500 sqft Gross Area
1st Floor Area	780 sqft
Basement Area	648 sqft
Finished Basement	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	58,224 sqft (1.33 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	72 sqft
Storage Building	49 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1160083
Street Address	6038 CHARLES RD
City	SAGINAW
State	MN
Zip	55779-9528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	ALL OF LOT 5 & INC NLY 90 FT OF WLY 275 FT OFLOT 6 EX THAT PART BEG AT SE COR OF SAID N 90FT OF WLY 275 FT THENCE W 90 FT
Legal Subdivision	KRUSCHKES ADD TO CARIBOU LAKE
Legal Lot Number	5-6
Jurisdiction	ST LOUIS MN
Township / Civil Division	GRAND LAKE
Census Block Group	1
Census Block	1013
Census Tract	11102

Owner

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	Company Name on Record
Mailing Address	23 W CENTRAL ENTRANCE, DULUTH, MN 55811-3433
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 30, 2024	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Jan 23, 2024	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Dec 18, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 17, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 27, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 27, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 30, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	20221058546
Last Transfer Date	Sep 27, 2023
Transfer Doc	0001072821
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4957 TRAILS END DR, HERMANTOWN, MN 55811-3690
Investor	Possibly a Property Investor

Mortgage

Document Number	0001079812
Date	May 30, 2024
Instrument	1079812

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001076373
Date	Jan 23, 2024
Instrument	1076373

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 22, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 18, 2024
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Document Number	0001086074
Instrument Date	Dec 18, 2024
Instrument	1086074
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4957 TRAILS END DR, HERMANTOWN, MN 55811-3690

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 17, 2024
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Document Number	0001076256
Instrument Date	Jan 16, 2024
Instrument	1076256
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4957 TRAILS END DR, HERMANTOWN, MN 55811-3690

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 27, 2023
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Document Number	0001075627
Instrument Date	Dec 20, 2023
Instrument	1075627
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4957 TRAILS END DR, HERMANTOWN, MN 55811-3690

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 27, 2023
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Document Number	0001072821
Instrument Date	Sep 27, 2023
Instrument	1072821
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4957 TRAILS END DR, HERMANTOWN, MN 55811-3690

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 30, 2022
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Document Number	0001064938
Instrument Date	Dec 21, 2022
Instrument	1064938
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 W CENTRAL ENTRANCE, DULUTH, MN 55811

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2022
Property Address	6038 CHARLES RD, SAGINAW, MN 55779-9528
Document Number	0001058546
Instrument Date	Jun 30, 2022
Instrument	1058546
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4957 TRAILS END DR, HERMANTOWN, MN 55811-3690

Mortgage

Document Number	0001058547
Date	Jul 7, 2022
Instrument	1058547

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Grand Lake Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,574.00 (+0.57%)
2025	$4,548.00 (+27.25%)	$439,100 (-2.42%) Land $171,500 Building $267,600	$439,100 (-2.42%) Land $171,500 Building $267,600
2024		$450,000 (+38.97%) Land $171,500 Building $278,500	$450,000 (+38.97%) Land $171,500 Building $278,500
2023	$3,574.00 Homeowner's exemption
2022		$323,800 Land $84,700 Building $239,100	$323,800 Land $84,700 Building $239,100

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

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	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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable · Fiber in parts of the area	250 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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