10 Howard Gnesen Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 10 Howard Gnesen Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 945 sqft · built 1950
Lot Size	0.259 acres (11,285 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Mar 2024)
Tax Bill	$3,060 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1560-02600`

Property Details

APN / Parcel Number

Primary APN	`010-1560-02600`
Alternative APNs	`1060894` `1163224`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	945 sqft Gross Area
1st Floor Area	945 sqft
Basement Area	475 sqft
Finished Basement	475 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	11,285 sqft (0.259 acres)
Garage Area	308 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	62 sqft
Deck Area	124 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1163224
Street Address	10 HOWARD GNESEN RD
City	DULUTH
State	MN
Zip	55811-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 AND ELY 20 FT OF LOT 12 SERIAL #
Legal Subdivision	FARRELL & CULVERS ADD TO KENWO
Legal Block	11
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Re-recorded Document · Conventional Mortgage SUPERIOR SAVINGS BANK
Mar 14, 2024	Warranty Deed, Transfer · Closed-End Mortgage SUPERIOR SAVINGS BANK
Feb 11, 2021	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Mar 14, 2024 · Amount on Record
Deed Document Number	20241484524
Prior Transfer Date	Oct 1, 2018
Prior Transfer Doc	0001344054
Record Updated	Oct 29, 2026

March 2024: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Mar 15, 2024
Property Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	0001484524
Instrument Date	Mar 14, 2024
Instrument	1484524
Record Updated	Apr 4, 2024
Title Company	RESULTS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612

Mortgage

Document Number	0001484525
Date	Mar 15, 2024
Instrument	1484525

Lender

Name	SUPERIOR SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 14, 2024
Property Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	0001077639
Instrument Date	Mar 14, 2024
Instrument	1077639
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612

Mortgage

Document Number	0001077640
Date	Mar 14, 2024
Instrument	1077640

Lender

Name	SUPERIOR SAVINGS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 HOWARD GNESEN RD, DULUTH, MN 55811-1612

Mortgage

Document Number	0001036440
Date	Feb 11, 2021
Instrument	1036440

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	817 Months
Due	Mar 18, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,060.00 (+29.11%) Homeowner's exemption
2025	$2,370.00 (-6.62%) Homeowner's exemption	$249,200 (+26.18%) Land $36,200 Building $213,000	$249,200 (+26.18%) Land $36,200 Building $213,000
2024		$197,500 (+5.84%) Land $61,300 Building $136,200	$197,500 (+5.84%) Land $61,300 Building $136,200
2023	$2,538.00 Homeowner's exemption
2022		$186,600 Land $57,500 Building $129,100	$186,600 Land $57,500 Building $129,100

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · other causes

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 95% of the US · lower than 84% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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