St. Louis County property record for 7522 McCarthy Beach Rd, Side Lake, MN 55781
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,920 sqft · built 1970 |
| Lot Size | 0.157 acres (6,859 sqft) |
| Owner | Individual Name on File |
| Last Sale | $352,600 (Dec 2020) |
| Tax Bill | $622 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 370-0080-00510 |
| Primary APN | 370-0080-00510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Gross Area |
| 1st Floor Area | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Frame |
| Lot Area | 6,859 sqft (0.157 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1143259 |
|---|---|
| Street Address | 7522 MCCARTHY BEACH RD |
| City | SIDE LAKE |
| State | MN |
| Zip | 55781-8437 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | SMU |
| Legal Description | EX COUNTY ROAD SERIAL # |
| Legal Subdivision | SIDE LAKE BEACH OF T OF FRENCH |
| Legal Lot Number | 50 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FRENCH |
| Census Block Group | 4 |
| Census Block | 4072 |
| Census Tract | 15100 |
7522 McCarthy Beach Rd, a residential property, is owned by an individual who bought it in December 2020.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4359 BROOKSIDE AVE, MINNEAPOLIS, MN 55436-1547 |
| 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 30, 2021 | Deed of Trust, Mortgage · SBA Mortgage BANK OF SPRINGFIELD |
| Jun 8, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD |
| Dec 2, 2020 | Warranty Deed, Transfer · Conventional with PMI BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2020 · Amount on File |
| Deed Sale | Dec 2, 2020 · Amount on File |
| Prior Sale | Jan 18, 2002 · Amount on File |
| Deed Document Number | 20201397473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 7522 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8437 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001425983 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 1425983 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 86 Months |
| Due | Nov 9, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 7522 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8437 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001415916 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 1415916 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 82 Months |
| Due | Apr 23, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 2, 2020 |
| Property Address | 7522 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8437 |
| Document Number | 00A1397473 |
| Instrument Date | Jul 24, 2020 |
| Instrument | A1397473 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2020 |
| Title Company | SELLMAN TITLE COMPANY, SELLMAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,164.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4215 CLEVELAND AVE ST LOUIS MO 631103504, ST LOUIS, MO 63110-3504 |
| Document Number | A1397474 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | A1397474 |
| Name | BANK |
|---|---|
| Address | 409 HIGHWAY 61 S, WAPELLO, IA 52653-1360 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2026 property tax bill for 7522 McCarthy Beach Rd was $622, up 2.3% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | French Township |
| Unified School District | Hibbing Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $622.00 (+2.3%) | ||
| 2025 | $608.00 (+14.29%) | $212,300 (+209.02%) Land $75,700 Building $136,600 | $212,300 (+209.02%) Land $75,700 Building $136,600 |
| 2024 | $532.00 | $68,700 Land $68,700 | $68,700 Land $68,700 |
| 2022 | $51,800 Land $51,800 | $51,800 Land $51,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 7522 McCarthy Beach Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 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 7522 McCarthy Beach Rd is low, with less than 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 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Paul Bunyan Communications Fiber | 1,000 / 1,000 |
| Northern Wireless Media Fixed Wireless | 100 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
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