120 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 120 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Apartments (5+ Units)
Details	3,685 sqft · built 1906
Lot Size	0.16 acres (7,000 sqft)
Owner	Company Name on Record
Last Sale	$315,000 (Mar 2019)
Tax Bill	$10,426 (2026)
Deeds & Mortgages	Mar 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-0980-00580`

Property Details

APN / Parcel Number

Primary APN	`010-0980-00580`
Alternative APN	`985379`

Interior

Units	9 Units
Stories	2 Stories
Building Area	3,685 sqft Gross Area
1st Floor Area	1,885 sqft
Basement Area	1,885 sqft
Finished Basement	1,885 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	985379
Street Address	120 W 3RD ST
City	DULUTH
State	MN
Zip	55806-2723
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	C1
Legal Description	W 1/2 LOT 24 AND E 1/2 OF LOT 26 SERIAL #
Legal Subdivision	DULUTH PROPER
Legal Lot Number	24,26
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2004
Census Tract	1900

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	Company Name on Record
Mailing Address	6512 BERGSTROM RD, SAGINAW, MN 55779-9572
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2019 · Amount on Record
Deed Sale	Mar 13, 2019 · Amount on Record
Prior Sale	Mar 16, 2016 · Amount on Record
Deed Document Number	20191351517
Prior Transfer Date	Feb 25, 2016
Prior Transfer Doc	0001281239
Record Updated	Sep 20, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 13, 2019
Property Address	120 W 3RD ST, DULUTH, MN 55806-2723
Document Number	00A1351517
Instrument Date	Sep 28, 2018
Instrument	A1351517
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABS & TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,039.50

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6512 BERGSTROM RD SAGINAW MN 557799572, SAGINAW, MN 55779-9572

Mortgage

Document Number	A1351518
Date	Mar 13, 2019
Instrument	A1351518

Lender

Name	FALCON NAT'L BK
Type	Bank
Address	ST CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 12, 2039

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,426.00 (+12.13%)
2025	$9,298.00 (+33.52%)	$622,000 (+11.75%) Land $73,500 Building $548,500	$622,000 (+11.75%) Land $73,500 Building $548,500
2024		$556,600 (+46.17%) Land $307,000 Building $249,600	$556,600 (+46.17%) Land $307,000 Building $249,600
2023	$6,964.00
2022		$380,800 Land $210,000 Building $170,800	$380,800 Land $210,000 Building $170,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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	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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber, AT&T, Fidium Fiber.

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