116 Anchor St, Duluth, MN 55810 Property Records

St. Louis County property record for 116 Anchor St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,391 sqft · built 1964
Lot Size	0.55 acres (23,998 sqft)
Owner	Individual Name on Record
Last Sale	$184,500 (Jul 2008)
Tax Bill	$3,522 (2026)
Deeds & Mortgages	Nov 2025 Transfer May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0090-00230`

Property Details

APN / Parcel Number

Primary APN	`185-0090-00230`
Alternative APNs	`1017336` `868595`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,391 sqft Gross Area
1st Floor Area	1,391 sqft
Basement Area	417 sqft
Finished Basement	417 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	23,998 sqft (0.55 acres)
Garage Area	572 sqft
Deck Area	60 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	868595
Street Address	116 ANCHOR ST
City	DULUTH
State	MN
Zip	55810-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 23 AND 24 EX E 93 FT AND EX W 75 FT SERIAL #
Legal Subdivision	HILLSIDE GARDEN TRACTS TO PROCTOR
Legal Lot Number	23-24
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3029
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	116 ANCHOR ST, DULUTH, MN 55810-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Transfer on Death Deed, Transfer
May 5, 2021	Deed of Trust, Mortgage PROCTOR FEDERAL CU
Aug 20, 2019	Deed of Trust, Mortgage · Line of Credit CENTRICITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2008 · Amount on Record
Deed Sale	Jul 10, 2008 · Amount on Record
Prior Sale	Jun 7, 2001 · Amount on Record
Deed Document Number	2008855403
Last Transfer Date	Oct 1, 2025
Transfer Doc	0001096136
Record Updated	Oct 29, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 13, 2025
Property Address	116 ANCHOR ST, DULUTH, MN 55810-2331
Document Number	0001096136
Instrument Date	Oct 1, 2025
Instrument	1096136
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	116 ANCHOR ST, DULUTH, MN 55810-2331
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001040213
Date	May 5, 2021
Instrument	1040213

Lender

Name	PROCTOR FEDERAL CU
Type	Credit Union
Address	DULUTH, MN 55810

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Apr 26, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	116 ANCHOR ST, DULUTH, MN 55810-2331
Document Number	00T1014394
Instrument Date	Aug 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 ANCHOR ST PROCTOR MN 558102331, PROCTOR, MN 55810-2331

Mortgage

Document Number	00T1014394
Date	Aug 29, 2019
Instrument	T1014394

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 28, 2044

Interest

Rate Type	Adjustable Rate

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	$3,522.00 (-5.78%) Homeowner's exemption
2025	$3,738.00 (+9.3%) Homeowner's exemption	$266,000 (-6.54%) Land $36,500 Building $229,500	$266,000 (-6.54%) Land $36,500 Building $229,500
2024	$3,420.00	$284,600 (+30.49%) Land $28,000 Building $256,600	$284,600 (+30.49%) Land $28,000 Building $256,600
2022		$218,100 Land $21,100 Building $197,000	$218,100 Land $21,100 Building $197,000

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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