1206 S Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 1206 S Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 5,083 sqft · built 1999
Lot Size	0.484 acres (21,082 sqft)
Owner	Individual Name on Record
Last Sale	$995,000 (Aug 2015)
Tax Bill	$22,100 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00450`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00450`
Alternative APN	`993740`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,083 sqft Gross Area
1st Floor Area	2,720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Lot Area	21,082 sqft (0.484 acres)
Garage Area	2,495 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	45 sqft
Deck Area	77 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	993740
Street Address	1206 S RIDGE RD
City	DULUTH
State	MN
Zip	55804-1467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0023 BLOCK:003 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	3
Legal Lot Number	23
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	600

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	1206 S RIDGE RD, DULUTH, MN 55804-1467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2020	Deed of Trust, Mortgage BELL BK
Apr 25, 2017	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK
Jan 9, 2017	Deed of Trust, Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2015 · Amount on Record
Deed Sale	Aug 11, 2015 · Amount on Record
Prior Sale	Sep 17, 2013 · Amount on Record
Deed Document Number	2015960839
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1206 S RIDGE RD, DULUTH, MN 55804-1467
Document Number	00T1025575
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	TITLESMART

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1206 S RIDGE RD DULUTH MN 558041467, DULUTH, MN 55804-1467

Mortgage

Document Number	00T1025575
Date	Jul 8, 2020
Instrument	T1025575

Lender

Name	BELL BK
Address	MINNEAPOLIS, MN 55416

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 7, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1206 S RIDGE RD, DULUTH, MN 55804-1467
Document Number	000T984615
Instrument Date	Apr 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1206 S RIDGE RD DULUTH MN 558041467, DULUTH, MN 55804-1467

Mortgage

Document Number	000T984615
Date	May 8, 2017
Instrument	T984615

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 7, 2022

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1206 S RIDGE RD, DULUTH, MN 55804-1467
Document Number	000T981213
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1206 S RIDGE RD DULUTH MN 558041467, DULUTH, MN 55804-1467

Mortgage

Document Number	000T981213
Date	Jan 20, 2017
Instrument	T981213

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

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	$22,100.00 (+6.64%)
2025	$20,724.00 (+12.4%)	$1,432,700 (+7.68%) Land $407,300 Building $1,025,400	$1,432,700 (+7.68%) Land $407,300 Building $1,025,400
2024	$18,438.00	$1,330,500 (+14.7%) Land $407,300 Building $923,200	$1,330,500 (+14.7%) Land $407,300 Building $923,200
2022		$1,160,000 Land $114,900 Building $1,045,100	$1,160,000 Land $114,900 Building $1,045,100

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	6 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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