115 Anchor St, Duluth, MN 55810 Property Records

St. Louis County property record for 115 Anchor St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 1963
Lot Size	0.211 acres (9,196 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Mar 2014)
Tax Bill	$2,890 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0085-00020`

Property Details

APN / Parcel Number

Primary APN	`185-0085-00020`
Alternative APN	`965593`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft
Basement Area	756 sqft
Finished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	9,196 sqft (0.211 acres)
Garage Area	484 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	965593
Street Address	115 ANCHOR ST
City	DULUTH
State	MN
Zip	55810-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 EX WLY 223 FT SERIAL #
Legal Subdivision	HAGENS ADDITION TO PROCTOR
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3028
Census Tract	10100

Owner

Source: St. Louis County records, as of October 20, 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 Record
Mailing Address	115 ANCHOR ST, DULUTH, MN 55810-2332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2014 · Amount on Record
Deed Sale	Mar 5, 2014 · Amount on Record
Prior Sale	Feb 23, 2007 · Amount on Record
Deed Document Number	2014942232
Prior Transfer Date	Feb 16, 2004
Prior Transfer Doc	0000771927
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	115 ANCHOR ST, DULUTH, MN 55810-2332
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ANCHOR ST, PROCTOR, MN 55810-2332

Mortgage

Document Number	0001038731
Date	Apr 2, 2021
Instrument	1038731

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55816

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Mar 30, 2031

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	115 ANCHOR ST, DULUTH, MN 55810-2332
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001037990
Date	Mar 18, 2021
Instrument	1037990

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,890.00 (-5.92%) Homeowner's exemption
2025	$3,072.00 (+8.32%) Homeowner's exemption	$225,000 (-6.52%) Land $20,200 Building $204,800	$225,000 (-6.52%) Land $20,200 Building $204,800
2024	$2,836.00	$240,700 (+30.25%) Land $16,400 Building $224,300	$240,700 (+30.25%) Land $16,400 Building $224,300
2022		$184,800 Land $12,400 Building $172,400	$184,800 Land $12,400 Building $172,400

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

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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 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
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, T-Mobile.

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