1307 Hearthside Ln, Duluth, MN 55810 Property Records

St. Louis County property record for 1307 Hearthside Ln, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 1,289 sqft · built 2007
Lot Size	0.412 acres (17,970 sqft)
Owner	Individual Name on File
Last Sale	$323,530 (Jun 2017)
Tax Bill	$5,516 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0087-00150`

Property Details

APN / Parcel Number

Primary APN	`185-0087-00150`
Alternative APN	`1032314`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,289 sqft Gross Area
1st Floor Area	1,289 sqft
Basement Area	967 sqft
Finished Basement	967 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	17,970 sqft (0.412 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	252 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1032314
Street Address	1307 HEARTHSIDE LN
City	DULUTH
State	MN
Zip	55810-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLOCK 1 SERIAL #
Legal Subdivision	HIDDEN RIDGE
Legal Block	1
Legal Lot Number	15
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1003
Census Tract	10100

Owner

1307 Hearthside Ln is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1307 HEARTHSIDE LN, DULUTH, MN 55810-1209
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional with PMI LEADERONE FIN'L
Jun 16, 2017	Warranty Deed, Transfer · Conventional with PMI MARKETPLACE HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Prior Sale	Jul 21, 2014 · Amount on File
Deed Document Number	2017986056
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1307 HEARTHSIDE LN, DULUTH, MN 55810-1209
Document Number	00T1030767
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1307 HEARTHSIDE LN PROCTOR MN 558101209, PROCTOR, MN 55810-1209

Mortgage

Document Number	00T1030767
Date	Oct 20, 2020
Instrument	T1030767

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Oct 19, 2040

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2017
Property Address	1307 HEARTHSIDE LN, DULUTH, MN 55810-1209
Document Number	000T986056
Instrument Date	Jun 14, 2017
Instrument	T986056
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,057.00
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	1307 HEARTHSIDE LN DULUTH MN 558101209, DULUTH, MN 55810-1209

Mortgage

Document Number	T986057
Date	Jun 16, 2017
Instrument	T986057

Lender

Name	MARKETPLACE HM MTG
Type	Mortgage Company
Address	EDINA, MN 55435

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1307 Hearthside Ln was $5,516 with a homeowner's exemption, up 3.6% 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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,516.00 (+3.65%) Homeowner's exemption
2025	$5,322.00 (+3.5%) Homeowner's exemption	$395,200 (+1.54%) Land $32,900 Building $362,300	$395,200 (+1.54%) Land $32,900 Building $362,300
2024	$5,142.00	$389,200 Land $35,000 Building $354,200	$389,200 Land $35,000 Building $354,200
2022		$320,400 Land $29,000 Building $291,400	$320,400 Land $29,000 Building $291,400

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

Flood

FEMA maps place 1307 Hearthside Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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

Wildfire risk around 1307 Hearthside Ln is low, with less than 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 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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