1109 Valley Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 1109 Valley Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.25 ba · 2,576 sqft · built 1999
Lot Size	0.153 acres (6,678 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Jun 2025)
Tax Bill	$2,648 (2026)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-3330-01660`

Property Details

APN / Parcel Number

Primary APN	`010-3330-01660`
Alternative APNs	`1055463` `1183888`

Interior

Bedrooms	5 Beds
Full Baths	4.25 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,576 sqft Gross Area
1st Floor Area	1,456 sqft
Basement Area	670 sqft
Finished Basement	670 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	6,678 sqft (0.153 acres)
Garage Area	672 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	216 sqft
Deck Area	112 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1183888
Street Address	1109 VALLEY DR
City	DULUTH
State	MN
Zip	55804-1761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0028 BLOCK:015 SERIAL #
Legal Subdivision	MORLEY HEIGHTS FIRST ADDITION
Legal Block	15
Legal Lot Number	28
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1002
Census Tract	700

Owner

Source: St. Louis County assessment roll, 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 File
Mailing Address	1109 VALLEY DR, DULUTH, MN 55804-1761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2018	Warranty Deed, Transfer · Conventional with PMI REPUBLIC BK
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	20251091300
Prior Transfer Date	Mar 30, 2012
Prior Transfer Doc	0000912918
Record Updated	Sep 20, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 1, 2018
Property Address	1109 VALLEY DR, DULUTH, MN 55804-1761
Document Number	00A1000948
Instrument Date	Jul 27, 2018
Instrument	A1000948
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,402.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1109 VALLEY DR DULUTH MN 558041761, DULUTH, MN 55804-1761

Mortgage

Document Number	A1000949
Date	Aug 1, 2018
Instrument	A1000949

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1109 VALLEY DR, DULUTH, MN 55804-1761
Document Number	000T982904
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1109 VALLEY DR DULUTH MN 558041761, DULUTH, MN 55804-1761

Mortgage

Document Number	000T982904
Date	Mar 10, 2017
Instrument	T982904

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 9, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.75%

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	$2,648.00 (+6.09%)
2025	$2,496.00 (-64.35%)	$195,300 (+8.02%) Land $47,400 Building $147,900	$195,300 (+8.02%) Land $47,400 Building $147,900
2024	$7,002.00	$180,800 (-59.78%) Land $44,200 Building $136,600	$180,800 (-59.78%) Land $44,200 Building $136,600
2022		$449,500 Land $30,800 Building $418,700	$449,500 Land $30,800 Building $418,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	3 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	0.01% annual chance
Exposure	None beyond ember reach

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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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