109 Chambersburg Dr, Duluth, MN 55811 Property Records

St. Louis County property record for 109 Chambersburg Dr, Duluth, MN 55811 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.75 Baths
Year Built	Built 1989
Square Footage	2,427 sqft Gross Area
Lot Size	17,708 sqft (0.406 acres)
Occupancy	Owner Occupied
Last Sale	$425,000 (2022)
Tax Bill	$7,662.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`010-0015-00340`
Alternative APNs	`1138127` `42585`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	10 Rooms
Building Area	2,427 sqft Gross Area
1st Floor	1,352 sqft 1st Floor
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Metal Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Lot Area	17,708 sqft (0.406 acres)
Garage Area	768 sqft Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	313 sqft Deck
Porch Area	873 sqft Porch
Sauna	Sauna
Storage Building	112 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1138127
Street Address	109 CHAMBERSBURG DR
City	DULUTH
State	MN
Zip	55811-3225
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 9 AND 10, BLOCK 4 SERIAL #
Legal Subdivision	AARONS VALLEY
Legal Block	4
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Minor Civil Division	DULUTH
Census Blockgroup	2
Census Block	2005
Census Tract	2300

Owner

Source: St. Louis County records · APN 010-0015-00340

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	109 CHAMBERSBURG DR, DULUTH, MN 55811-3225
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 06, 2022 · Amount on Record
Deed Sale	Oct 06, 2022 · Amount on Record
Deed Doc Number	20221062161
Record Refreshed	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 06, 2022
Property Address	109 CHAMBERSBURG DR, DULUTH, MN 55811-3225
Document Number	0001062161
Instrument Date	Oct 03, 2022
Instrument	1062161
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,402.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 CHAMBERSBURG DR, DULUTH, MN 55811-3225

Mortgage

Document Number	0001062162
Date	Oct 06, 2022
Instrument	1062162

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,662.00 (+10.95%)
2025	$6,906.00 (-2.76%)	$550,200 (+9.32%) Land $79,900 Building $470,300	$550,200 (+9.32%) Land $79,900 Building $470,300
2024	$7,102.00	$503,300 (+7.18%) Land $85,100 Building $418,200	$503,300 (+7.18%) Land $85,100 Building $418,200
2022		$469,600 Land $75,500 Building $394,100	$469,600 Land $75,500 Building $394,100

Flood & Wildfire

109 Chambersburg Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 1st percentile of exposed land nationally · 4th in Minnesota
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.