120 Anchor St, Duluth, MN 55810 Property Records

St. Louis County property record for 120 Anchor St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,092 sqft · built 1960
Lot Size	0.312 acres (13,616 sqft)
Owner	Individual Name on Record
Last Sale	$284,500 (Mar 2024)
Tax Bill	$3,712 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0090-00236`

Property Details

APN / Parcel Number

Primary APN	`185-0090-00236`
Alternative APNs	`1112231` `1163668`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	1,092 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	13,616 sqft (0.312 acres)
Garage Area	672 sqft
Deck Area	518 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1163668
Street Address	120 ANCHOR ST
City	DULUTH
State	MN
Zip	55810-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 75 FT OF LOTS 23 AND 24 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 August 17, 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	120 ANCHOR ST, DULUTH, MN 55810-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2024 · Amount on Record
Deed Sale	Mar 26, 2024 · Amount on Record
Prior Sale	Mar 21, 2024 · Amount on Record
Deed Document Number	20241077932
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 26, 2024
Property Address	120 ANCHOR ST, DULUTH, MN 55810-2331
Document Number	0001077932
Instrument Date	Mar 21, 2024
Instrument	1077932
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	THE TITLE TEAM

Transaction

Amount	Amount Recorded
Tax	$938.85
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ANCHOR ST, PROCTOR, MN 55810-2331

Mortgage

Document Number	0001077933
Date	Mar 26, 2024
Instrument	1077933

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0001077934
Date	Mar 26, 2024
Instrument	1077934

Lender

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

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2021
Property Address	120 ANCHOR ST, DULUTH, MN 55810-2331
Document Number	0001043290
Instrument Date	Jul 1, 2021
Instrument	1043290
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$739.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ANCHOR ST, PROCTOR, MN 55810-2331

Mortgage

Document Number	0001043291
Date	Jul 7, 2021
Instrument	1043291

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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	$3,712.00 (+1.64%) Homeowner's exemption
2025	$3,652.00 (+8.95%) Homeowner's exemption	$278,300 (-0.22%) Land $23,200 Building $255,100	$278,300 (-0.22%) Land $23,200 Building $255,100
2024		$278,900 (+21.26%) Land $21,200 Building $257,700	$278,900 (+21.26%) Land $21,200 Building $257,700
2023	$3,352.00 Homeowner's exemption
2022		$230,000 Land $32,000 Building $198,000	$230,000 Land $32,000 Building $198,000

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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