7725 McCarthy Beach Rd, Side Lake, MN 55781 Property Records

St. Louis County property record for 7725 McCarthy Beach Rd, Side Lake, MN 55781

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,308 sqft · built 2000
Lot Size	0.424 acres (18,494 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Sep 2017)
Tax Bill	$6,644 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`370-0040-00440`

Property Details

APN / Parcel Number

Primary APN	`370-0040-00440`
Alternative APN	`1037443`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,308 sqft Gross Area
1st Floor Area	2,308 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	18,494 sqft (0.424 acres)
Garage Area	792 sqft

Exterior Amenities

Deck Area	Deck Area
Cabin	432 sqft
Boat House	986 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1037443
Street Address	7725 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 44 AND 45 INC PART OF VACATED ALLEYADJ SERIAL #
Legal Subdivision	MCCARTHYS BEACH
Legal Lot Number	44-45
Jurisdiction	ST LOUIS MN
Township / Civil Division	FRENCH
Census Block Group	4
Census Block	4018
Census Tract	15100

Owner

7725 McCarthy Beach Rd is owned by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	4288 WESTCHESTER CIR, SAINT PAUL, MN 55123-3048
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
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEERWOOD BANK
Sep 7, 2017	Warranty Deed, Transfer · Conventional with PMI BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2017 · Amount on File
Deed Sale	Sep 7, 2017 · Amount on File
Deed Document Number	20171317060
Prior Transfer Date	Aug 11, 2017
Prior Transfer Doc	00A1317060
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	7725 MCCARTHY BEACH RD, SIDE LAKE, MN 55781
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001408456
Date	Mar 30, 2021
Instrument	1408456

Lender

Name	DEERWOOD BANK
Type	Bank
Address	SAINT PAUL, MN 55120

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 7, 2017
Property Address	7725 MCCARTHY BEACH RD, SIDE LAKE, MN 55781
Document Number	00A1317060
Instrument Date	Aug 11, 2017
Instrument	A1317060
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,039.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4288 WESTCHESTER CIR EAGAN MN 551233048, EAGAN, MN 55123-3048

Mortgage

Document Number	A1317061
Date	Sep 7, 2017
Instrument	A1317061

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 7725 McCarthy Beach Rd was $6,644, up 14.6% 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	French Township
Unified School District	Hibbing Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,644.00 (+14.55%)
2025	$5,800.00 (+13.02%)	$664,500 (+13.82%) Land $221,200 Building $443,300	$664,500 (+13.82%) Land $221,200 Building $443,300
2024	$5,132.00	$583,800 Land $191,300 Building $392,500	$583,800 Land $191,300 Building $392,500
2022		$421,900 Land $141,100 Building $280,800	$421,900 Land $141,100 Building $280,800

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

Flood

FEMA maps place 7725 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

Wildfire risk around 7725 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 67% of the US · above 57% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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

Cell Coverage

5G (outdoors only) and 4G LTE

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