7959 McCarthy Beach Rd, Side Lake, MN 55781 Property Records

St. Louis County property record for 7959 McCarthy Beach Rd, Side Lake, MN 55781

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,597 sqft · built 1978
Lot Size	36 acres (1,568,160 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Aug 2024)
Tax Bill	$3,842 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Apr 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`370-0010-01140`

Property Details

APN / Parcel Number

Primary APN	`370-0010-01140`
Alternative APNs	`1105223` `1169699`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,597 sqft Gross Area
1st Floor Area	1,110 sqft
Basement Area	702 sqft
Finished Basement	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,568,160 sqft (36 acres)
Garage Area	728 sqft

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1169699
Street Address	7959 MCCARTHY BEACH RD
City	SIDE LAKE
State	MN
Zip	55781-8435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	NE 1/4 OF SE 1/4 EX PART LYING NE OFCOUNTY RD #915 SERIAL #
Legal Range	21W
Legal Township	60N
Legal Section	07
Legal Subdivision	FRENCH TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	FRENCH
Census Block Group	4
Census Block	4018
Census Tract	15100

Owner

Source: St. Louis County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8962 COMANCHE RD, NIWOT, CO 80503-7134
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 15, 2020	Loan Modification, Mortgage · Conventional with PMI FIRST NAT'L BK/BUHL
Nov 10, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/BUHL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2024 · Amount on Record
Deed Sale	Aug 9, 2024 · Amount on Record
Prior Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	20241081939
Prior Transfer Date	Aug 8, 2001
Prior Transfer Doc	0000708238
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 1, 2021
Property Address	7959 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8435
Document Number	0001037195
Instrument Date	Dec 31, 2020
Instrument	1037195
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7959 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8435

Mortgage

Document Number	0001037196
Date	Mar 1, 2021
Instrument	1037196

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	7959 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8435
Document Number	00T1025493
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 5TH ST SW CHISHOLM MN 557191908, CHISHOLM, MN 55719-1908

Mortgage

Document Number	00T1025493
Date	Jul 7, 2020
Instrument	T1025493

Lender

Name	FIRST NAT'L BK/BUHL
Type	Bank
Address	MOUNTAIN IRON, MN 55768

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	36 Months
Due	Jul 6, 2023

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	7959 MCCARTHY BEACH RD, SIDE LAKE, MN 55781-8435
Document Number	000T992790
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7959 MCCARTHY BEACH RD SIDE LAKE MN 557818435, SIDE LAKE, MN 55781-8435

Mortgage

Document Number	000T992790
Date	Dec 4, 2017
Instrument	T992790

Lender

Name	FIRST NAT'L BK/BUHL
Type	Bank
Address	MOUNTAIN IRON, MN 55768

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 3, 2022

Interest

Rate Type	Adjustable Rate

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	French Township
Unified School District	Hibbing Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,842.00 (+28.49%)
2025	$2,990.00 (+12.58%) Homeowner's exemption	$417,900 (+11.68%) Land $115,800 Building $302,100	$417,900 (+11.68%) Land $115,800 Building $302,100
2024	$2,656.00	$374,200 (+29.89%) Land $51,600 Building $322,600	$374,200 (+29.89%) Land $51,600 Building $322,600
2022		$288,100 Land $39,600 Building $248,500	$288,100 Land $39,600 Building $248,500

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 · 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
Flood Insurance Cost	Premium on Record 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Paul Bunyan Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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