St. Louis County property record for 1220 S Ridge Rd, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.25 ba · 2,939 sqft · built 2002 |
| Lot Size | 0.668 acres (29,109 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $42,000 (Apr 2002) |
| Tax Bill | $19,864 (2026) |
| Deeds & Mortgages | Aug 2026 Sale May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3452-00410 |
| Primary APN | 010-3452-00410 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,939 sqft Gross Area |
| 1st Floor Area | 1,844 sqft |
| Basement Area | 1,600 sqft |
| Finished Basement | 1,600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Flat |
| Lot Area | 29,109 sqft (0.668 acres) |
| Garage Area | 829 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 247 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 959042 |
|---|---|
| Street Address | 1220 S RIDGE RD |
| City | DULUTH |
| State | MN |
| Zip | 55804-1467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 EX PART COMM AT NW COR THENCE S 1DEG 49'10"W 52.41 FT TO THE NE CORNER OFLOT 18 & THE PT OF BEG THENCE CONTINUEON THE |
| Legal Subdivision | NORTHLAND ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 19 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 600 |
1220 S Ridge Rd is owner-occupied and held in a trust since July 2026.
Source: St. Louis County records, as of August 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1220 S RIDGE RD, DULUTH, MN 55804-1467 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 4, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| May 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMIERCA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2002 · Amount on File |
| Deed Sale | Apr 12, 2002 · Amount on File |
| Deed Document Number | 2002721594 |
| Last Transfer Date | Jul 23, 2026 |
| Transfer Doc | 0001104356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 4, 2026 |
| Property Address | 1220 S RIDGE RD, DULUTH, MN 55804-1467 |
| Document Number | 0001104356 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20261104356 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1220 S RIDGE RD, DULUTH, MN 55804-1467 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 13, 2026 |
| Property Address | 1220 S RIDGE RD, DULUTH, MN 55804-1467 |
| Document Number | 0001101464 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20261101464 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 1220 S RIDGE RD, DULUTH, MN 55804-1467 |
| Document Number | 0001101464, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 20261101464 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 1220 S Ridge Rd was $19,864 with a homeowner's exemption, up 7.6% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,864.00 (+7.62%) Homeowner's exemption | ||
| 2025 | $18,458.00 (+11.72%) Homeowner's exemption | $1,310,400 (+9.68%) Land $156,600 Building $1,153,800 | $1,310,400 (+9.68%) Land $156,600 Building $1,153,800 |
| 2024 | $16,522.00 | $1,194,800 Land $156,600 Building $1,038,200 | $1,194,800 Land $156,600 Building $1,038,200 |
| 2022 | $1,048,800 Land $82,400 Building $966,400 | $1,048,800 Land $82,400 Building $966,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1220 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 risk around 1220 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.
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 |
| 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.
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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