St. Louis County property record for 7544 McCarthy Beach Rd, Side Lake, MN 55781
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,592 sqft · built 1976 |
| Lot Size | 1.57 acres (68,662 sqft) |
| Owner | Individual Name on File |
| Last Sale | $399,000 (Dec 2015) |
| Tax Bill | $6,018 (2026) |
| Deeds & Mortgages | Jan 2024 Transfer Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 370-0080-00560 |
| Primary APN | 370-0080-00560 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,592 sqft Gross Area |
| 1st Floor Area | 2,592 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 68,662 sqft (1.57 acres) |
| Garage Area | 904 sqft |
| Porch | Slab |
|---|---|
| Deck Area | 576 sqft |
| Gazebo | 150 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|
| Account Number | 1001853 |
|---|---|
| Street Address | 7544 MCCARTHY BEACH RD |
| City | SIDE LAKE |
| State | MN |
| Zip | 55781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | LOTS 55 THRU 58 EX COUNTY RD & EX THAT PARTOF LOT 58 ASSUMING BOUNDARY LINE BETWEEN GOVTLOT 4 & SW1/4 OF SE1/4 OF SEC |
| Legal Subdivision | PLAT OF SIDE LAKE BEACH |
| Legal Lot Number | 4,55-58 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FRENCH |
| Census Block Group | 4 |
| Census Block | 4072 |
| Census Tract | 15100 |
7544 McCarthy Beach Rd is owned and occupied by an individual who acquired it in February 2016.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2724 2ND AVE W, HIBBING, MN 55746-2015 |
| 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 |
|---|---|
| Jan 31, 2024 | Intrafamily Transfer, Transfer |
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2015 · Amount on File |
| Deed Sale | Dec 23, 2015 · Amount on File |
| Prior Sale | Aug 13, 2008 · Amount on File |
| Deed Document Number | 20151276413 |
| Last Transfer Date | Feb 2, 2016 |
| Transfer Doc | 0001279002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 31, 2024 |
| Property Address | 7544 MCCARTHY BEACH RD, SIDE LAKE, MN 55781 |
| Document Number | 0001482420 |
| Instrument Date | Jan 16, 2023 |
| Instrument | 1482420 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2724 2ND AVE W, HIBBING, MN 55746-2015 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 7544 MCCARTHY BEACH RD, SIDE LAKE, MN 55781 |
| Document Number | 00A1389389 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 7544 MCCARTHY BEACH RD SIDE LAKE MN 55781, SIDE LAKE, MN 55781 |
| Document Number | 00A1389389 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | A1389389 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
The 2026 property tax bill for 7544 McCarthy Beach Rd was $6,018 with a homeowner's exemption, up 11.3% 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 | $6,018.00 (+11.32%) Homeowner's exemption | ||
| 2025 | $5,406.00 Homeowner's exemption | $585,100 (-1.55%) Land $352,100 Building $233,000 | $585,100 (-1.55%) Land $352,100 Building $233,000 |
| 2024 | $594,300 Land $320,400 Building $273,900 | $594,300 Land $320,400 Building $273,900 | |
| 2023 | $4,418.00 Homeowner's exemption | ||
| 2022 | $448,200 Land $243,400 Building $204,800 | $448,200 Land $243,400 Building $204,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7544 McCarthy Beach Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 7544 McCarthy Beach Rd 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 | 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 25 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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