See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

4040 Normanna Rd, Duluth, MN, 55803

4beds
3baths
2,468sqft
$635,000
$257price/sqft
$3,791/moest. monthly cost
$151,640/yrincome needed

About This Home

Rare opportunity to embrace the beauty of country living on 5 private acres, just 20 minutes from town. This beautifully maintained home offers 4 bedrooms and 2 and a half baths including a private loft primary suite with space for a sitting area, office, or workout zone. Inside, warm wood ceilings and a striking stone gas fireplace create a cozy vibe. The walkout lower level boasts a family room, another bedroom and 1/2 bath. French doors lead out to an outdoor patio and a peaceful country setting. Sliding glass doors lead outside to an expansive deck that runs along much of the home, perfect for morning coffee or evening gatherings, all overlooking mature trees and fruit trees. The yard is a gardener's dream, featuring a 20 by 40 fenced garden ready for planting. Spend your nights around the separate fire pit. Enjoy year-round comfort with both an outdoor wood boiler and an electric boiler. The classic redwood siding gives the home timeless character. Big updates include a metal roof on the home in 2010 and a new garage roof in 2025. For all your toys and hobbies, there's a heated 40 by 40 garage with an added 15 by 15 attached section that was previously used as a walk-in cooler. Plus a 9 by 12 storage shed, 2 metal carports, a dog kennel, and footings in place for a future lean-to. Above the garage, unfinished bonus space offers endless potential. If you're seeking privacy, space and room to create your own lifestyle, this property checks every box. Come see it and picture the possibilities.

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

10/10
7/10
Ordean East Middle SchoolGrades 6-811.5 mi
10/10
East Senior High SchoolGrades 9-1211.2 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1997

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Other,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Walkout,Bath,Bedrooms,Family/Rec Room,Utility Room

Bathroom

  • Level: Basement
  • Area: 28
  • Dimensions: 4 x 7

Bathroom

  • Level: Upper
  • Area: 56
  • Dimensions: 7 x 8

Bedroom

  • Level: Main
  • Area: 132
  • Dimensions: 12 x 11

Bedroom

  • Level: Main
  • Area: 180
  • Dimensions: 12 x 15

Bedroom

  • Level: Upper
  • Area: 176
  • Dimensions: 16 x 11

Bedroom

  • Level: Basement
  • Area: 121
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Family Room

  • Level: Basement
  • Area: 460
  • Dimensions: 23 x 20

Features

  • Ceiling Fan(s)
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 950
  • Finished area above ground: 1,518

Heating

  • Heating features: Boiler,Outdoor Boiler,Electric

Interior Area

  • Total interior livable area: 2,468 sqft

Kitchen

  • Level: Main
  • Area: 160
  • Dimensions: 8 x 20

Living Room

  • Level: Main
  • Area: 336
  • Dimensions: 16 x 21

Loft

  • Level: Upper
  • Area: 207
  • Dimensions: 9 x 23

Property

Details

  • Parcel number: TBD
  • Foundation area: 950

Features

  • Levels: Multi-Level
  • Patio & porch: Deck,Patio

Lot

  • Lot size: 5 Acres
  • Lot size dimensions: See recent survey in associate

Parking

  • Total spaces: 4
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Inland Flooding

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,210$38,520
Home Insurance *$182$2,184
Property Taxes $191$2,292
Electricity $208$2,497
Total$3,791$45,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,977/yr
40% on housing$113,730/yr
45% on housing$101,093/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 55803$211
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55803
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-03Price change$635,000
2026-07-14Listed for sale$649,900

For Sale by Agent

AgentShelly Coda
BrokerageMessina & Associates Real Estate

Similar Homes