1323 S Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 1323 S Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.25 ba · 2,748 sqft · built 1993
Lot Size	0.568 acres (24,749 sqft)
Owner	Individual Name on Record
Last Sale	$915,000 (Sep 2024)
Tax Bill	$14,212 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00070`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00070`
Alternative APNs	`1171020` `935683`

Interior

Bedrooms	5 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,748 sqft Gross Area
1st Floor Area	1,440 sqft
Basement Area	812 sqft
Finished Basement	812 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Block
Construction Type	Frame
Roof Type	Hip
Lot Area	24,749 sqft (0.568 acres)
Garage Area	700 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	20 sqft
Deck Area	228 sqft
Patio Area	250 sqft
Storage Building	140 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1171020
Street Address	1323 S RIDGE RD
City	DULUTH
State	MN
Zip	55804-1471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:001 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	1
Legal Lot Number	7
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	1323 S RIDGE RD, DULUTH, MN 55804-1471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/CMRC
Jan 11, 2019	Loan Modification, Mortgage · Line of Credit REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2024 · Amount on Record
Deed Sale	Sep 3, 2024 · Amount on Record
Prior Sale	Jul 24, 2012 · Amount on Record
Deed Document Number	20241082605
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1323 S RIDGE RD, DULUTH, MN 55804-1471
Document Number	00T1034845
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	RESULTS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1323 S RIDGE RD DULUTH MN 558041471, DULUTH, MN 55804-1471

Mortgage

Document Number	00T1034845
Date	Jan 7, 2021
Instrument	T1034845

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2051

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	1323 S RIDGE RD, DULUTH, MN 55804-1471
Document Number	00T1006951
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	00T1006951
Date	Jan 15, 2019
Instrument	T1006951

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55822

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	1%

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	$14,212.00 (+21.1%)
2025	$11,736.00 (+21.11%) Homeowner's exemption	$966,500 (+21.97%) Land $82,400 Building $884,100	$966,500 (+21.97%) Land $82,400 Building $884,100
2024	$9,690.00	$792,400 (+21.83%) Land $82,400 Building $710,000	$792,400 (+21.83%) Land $82,400 Building $710,000
2022		$650,400 Land $46,500 Building $603,900	$650,400 Land $46,500 Building $603,900

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.

Nearby Properties on S Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures