1301 Hearthside Ln, Duluth, MN 55810 Property Records

St. Louis County property record for 1301 Hearthside Ln, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,386 sqft · built 2015
Lot Size	0.632 acres (27,569 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Oct 2025)
Tax Bill	$5,592 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0087-00170`

Property Details

APN / Parcel Number

Primary APN	`185-0087-00170`
Alternative APN	`1049892`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,386 sqft Gross Area
1st Floor Area	1,386 sqft
Basement Area	984 sqft
Finished Basement	984 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	27,569 sqft (0.632 acres)
Garage Area	576 sqft
Deck Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1049892
Street Address	1301 HEARTHSIDE LN
City	DULUTH
State	MN
Zip	55810-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BLOCK 1 SERIAL #
Legal Subdivision	HIDDEN RIDGE
Legal Block	1
Legal Lot Number	17
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1003
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	2 Individual Names on Record
Mailing Address	1301 HEARTHSIDE LN, DULUTH, MN 55810-1209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 25, 2018	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Prior Sale	Apr 25, 2018 · Amount on Record
Deed Document Number	20251094793
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1301 HEARTHSIDE LN, DULUTH, MN 55810-1209
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036916
Date	Feb 23, 2021
Instrument	1036916

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 25, 2018
Property Address	1301 HEARTHSIDE LN, DULUTH, MN 55810-1209
Document Number	000T997325
Instrument Date	Sep 8, 2017
Instrument	T997325
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1301 HEARTHSIDE LN PROCTOR MN 55810, PROCTOR, MN 55810

Mortgage

Document Number	T997326
Date	Apr 25, 2018
Instrument	T997326

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2048

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	$5,592.00 (+11.35%) Homeowner's exemption
2025	$5,022.00 (+3.67%) Homeowner's exemption	$400,100 (+8.31%) Land $45,400 Building $354,700	$400,100 (+8.31%) Land $45,400 Building $354,700
2024	$4,844.00	$369,400 (+21.51%) Land $39,600 Building $329,800	$369,400 (+21.51%) Land $39,600 Building $329,800
2022		$304,000 Land $32,700 Building $271,300	$304,000 Land $32,700 Building $271,300

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	1 in force
Nearby Flood Claims	6 (1978–2012)
Claims Outside the SFHA	1 of 6
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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 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	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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Spectrum.

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