6464 Howard Gnesen Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6464 Howard Gnesen Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,380 sqft · built 2010
Lot Size	7.5 acres (326,700 sqft)
Owner	Individual Name on File
Last Sale	$72,600 (Aug 2015)
Tax Bill	$4,816 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`375-0010-04214`

Property Details

APN / Parcel Number

Primary APN	`375-0010-04214`
Alternative APN	`1062504`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,380 sqft Gross Area
1st Floor Area	1,380 sqft
Basement Area	525 sqft
Finished Basement	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Split Level
Exterior Material	Other
Construction Type	Frame
Lot Area	326,700 sqft (7.5 acres)
Garage Area	3,240 sqft

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Lean-To	162 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	1062504
Street Address	6464 HOWARD GNESEN RD
City	DULUTH
State	MN
Zip	55803-9260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SW1/4 OF NW1/4 OF NW1/4 EX SLY 165 FT SERIAL #
Legal Range	14W
Legal Township	52N
Legal Section	22
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2010
Census Tract	10601

Owner

6464 Howard Gnesen Rd is owned and occupied by an individual who bought it in August 2015.

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

Owner of Record	Individual Name on File
Mailing Address	6464 HOWARD GNESEN RD, DULUTH, MN 55803-9260
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BK
Apr 29, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2015 · Amount on File
Deed Sale	Aug 10, 2015 · Amount on File
Deed Document Number	20151266910
Prior Transfer Date	Jul 10, 2015
Prior Transfer Doc	0001266909
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6464 HOWARD GNESEN RD, DULUTH, MN 55803-9260
Document Number	00A1384484
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6464 HOWARD GNESEN RD DULUTH MN 558039260, DULUTH, MN 55803-9260

Mortgage

Document Number	00A1384484
Date	Jul 7, 2020
Instrument	A1384484

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 6, 2035

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6464 HOWARD GNESEN RD, DULUTH, MN 55803-9260
Document Number	00A1354534
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6464 HOWARD GNESEN RD DULUTH MN 558039260, DULUTH, MN 55803-9260

Mortgage

Document Number	00A1354534
Date	May 13, 2019
Instrument	A1354534

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 12, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 6464 Howard Gnesen Rd was $4,816 with a homeowner's exemption, up 6.5% 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
County Subdivision	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,816.00 (+6.55%) Homeowner's exemption
2025	$4,520.00 (+8.65%) Homeowner's exemption	$466,500 (+6.26%) Land $81,900 Building $384,600	$466,500 (+6.26%) Land $81,900 Building $384,600
2024	$4,160.00	$439,000 Land $76,500 Building $362,500	$439,000 Land $76,500 Building $362,500
2022		$340,000 Land $72,100 Building $267,900	$340,000 Land $72,100 Building $267,900

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

Flood

FEMA maps place 6464 Howard Gnesen Rd 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	4 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 6464 Howard Gnesen Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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