St. Louis County property record for 1025 W 3rd St, Duluth, MN 55806
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 858 sqft · built 1909 |
| Lot Size | 0.161 acres (7,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $241,000 (Sep 2025) |
| Tax Bill | $2,656 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1270-02180 |
| Primary APN | 010-1270-02180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 858 sqft Gross Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 55 sqft |
| Finished Basement | 55 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,038 sqft (0.161 acres) |
| Garage Area | 280 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 190 sqft |
| Deck Area | 240 sqft |
| Storage Building | 140 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1188558 |
|---|---|
| Street Address | 1025 W 3RD ST |
| City | DULUTH |
| State | MN |
| Zip | 55806-2204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX N 10 FT FOR ALLEY SERIAL # |
| Legal Subdivision | DULUTH PROPER THIRD DIV |
| Legal Block | 38 |
| Legal Lot Number | 173 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2000 |
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1025 W 3RD ST, DULUTH, MN 55806-2204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Apr 7, 2020 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on Record |
| Deed Sale | Sep 26, 2025 · Amount on Record |
| Deed Document Number | 20251519043 |
| Prior Transfer Date | Mar 23, 2007 |
| Prior Transfer Doc | 0001049156 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 26, 2025 |
| Property Address | 1025 W 3RD ST, DULUTH, MN 55806-2204 |
| Document Number | 0001519043 |
| Instrument Date | Aug 1, 2025 |
| Instrument | 1519043 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | UNKNOWN, ARROWHEAD ABSTRACT AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1025 W 3RD ST, DULUTH, MN 55806-2204 |
| Document Number | 0001519044 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 1519044 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1025 W 3RD ST, DULUTH, MN 55806-2204 |
| Document Number | 00A1377800 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1025 W 3RD ST DULUTH MN 558062204, DULUTH, MN 55806-2204 |
| Document Number | 00A1377800 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | A1377800 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,656.00 (+10.76%) Homeowner's exemption | ||
| 2025 | $2,398.00 (+2.57%) Homeowner's exemption | $235,100 (+17.96%) Land $55,800 Building $179,300 | $235,100 (+17.96%) Land $55,800 Building $179,300 |
| 2024 | $2,338.00 | $199,300 (+17.44%) Land $54,200 Building $145,100 | $199,300 (+17.44%) Land $54,200 Building $145,100 |
| 2022 | $169,700 Land $49,100 Building $120,600 | $169,700 Land $49,100 Building $120,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 378 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 |
| Airfiber Fixed Wireless | 100 / 20 |
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