1216 S Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 1216 S Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.25 ba · 3,080 sqft · built 1999
Lot Size	2.28 acres (99,664 sqft)
Owner	Individual Name on File
Last Sale	$820,000 (Aug 2016)
Tax Bill	$20,632 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00420`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00420`
Alternative APN	`1015292`

Interior

Bedrooms	3 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,080 sqft Gross Area
1st Floor Area	1,540 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	99,664 sqft (2.28 acres)
Garage Area	576 sqft
Deck Area	1,415 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1015292
Street Address	1216 S RIDGE RD
City	DULUTH
State	MN
Zip	55804-1467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0020 BLOCK:003 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	3
Legal Lot Number	20
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	600

Owner

1216 S Ridge Rd is owned and occupied by an individual who bought it in August 2016.

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1216 S RIDGE RD, DULUTH, MN 55804-1467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 20, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Sep 24, 2019	Deed of Trust, Mortgage US BK
Jul 23, 2018	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2016 · Amount on File
Deed Sale	Aug 24, 2016 · Amount on File
Deed Document Number	2016975114
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1216 S RIDGE RD, DULUTH, MN 55804-1467
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 S RIDGE RD, DULUTH, MN 55804-1467

Mortgage

Document Number	0001058344
Date	Jun 30, 2022
Instrument	1058344

Lender

Name	US BANK NA
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1216 S RIDGE RD, DULUTH, MN 55804-1467
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 S RIDGE RD, DULUTH, MN 55804-1467

Mortgage

Document Number	0001005125
Date	Nov 20, 2018
Instrument	1005125

Lender

Name	US BANK NA
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1216 S RIDGE RD, DULUTH, MN 55804-1467
Document Number	00T1021081
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1216 S RIDGE RD DULUTH MN 558041467, DULUTH, MN 55804-1467

Mortgage

Document Number	00T1021081
Date	Mar 3, 2020
Instrument	T1021081

Lender

Name	US BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1216 S RIDGE RD, DULUTH, MN 55804-1467
Document Number	00T1015876
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1216 S RIDGE RD DULUTH MN 558041467, DULUTH, MN 55804-1467

Mortgage

Document Number	00T1015876
Date	Oct 7, 2019
Instrument	T1015876

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1216 S RIDGE RD, DULUTH, MN 55804-1467
Document Number	00A1001502
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1216 S RIDGE RD DULUTH MN 558041467, DULUTH, MN 55804-1467

Mortgage

Document Number	00A1001502
Date	Aug 14, 2018
Instrument	A1001502

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 1216 S Ridge Rd was $20,632 with a homeowner's exemption, up 6.2% from the year before.

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	$20,632.00 (+6.22%) Homeowner's exemption
2025	$19,424.00 (+39.74%) Homeowner's exemption	$1,337,000 (+6.74%) Land $494,500 Building $842,500	$1,337,000 (+6.74%) Land $494,500 Building $842,500
2024	$13,900.00	$1,252,600 Land $494,500 Building $758,100	$1,252,600 Land $494,500 Building $758,100
2022		$896,600 Land $139,400 Building $757,200	$896,600 Land $139,400 Building $757,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1216 S Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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

Wildfire risk around 1216 S Ridge Rd is low, with a 0.01% annual chance of 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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