1324 Denney Dr, Duluth, MN 55805 Property Records

St. Louis County property record for 1324 Denney Dr, Duluth, MN 55805

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,362 sqft
Lot Size	0.423 acres (18,463 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Dec 2017)
Tax Bill	$9,188 (2026)
Deeds & Mortgages	Sep 2022 Construction Loan Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-2791-00025`

Property Details

APN / Parcel Number

Primary APN	`010-2791-00025`
Alternative APN	`1021668`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,362 sqft Gross Area
1st Floor Area	1,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Custom Design
Construction Type	Frame
Lot Area	18,463 sqft (0.423 acres)
Garage Area	629 sqft
Porch	Slab
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1021668
Street Address	1324 DENNEY DR
City	DULUTH
State	MN
Zip	55805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF LOT 2 NELY OF A LINE PARALLEL TOAND 34.85 FT SWLY OF BOUNDARY LINE BETWEENLOTS 2 & 3 & INC LOT 3 EX THAT PART
Legal Subdivision	LAKEVIEW DIVISION FIRST ADDITION
Legal Block	1
Legal Lot Number	2-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1002
Census Tract	900

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	1304 N 19TH AVE E, DULUTH, MN 55812-1131
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Construction Mortgage BELL BANK
Dec 13, 2017	Warranty Deed, Transfer PIONEER ABSTRACT AND TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2017 · Amount on Record
Deed Sale	Dec 13, 2017 · Amount on Record
Prior Sale	Dec 15, 2004 · Amount on Record
Deed Document Number	2017993153
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1324 DENNEY DR, DULUTH, MN 55805-1500
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 N 19TH AVE E, DULUTH, MN 55812-1131

Mortgage

Document Number	0001061121
Date	Sep 13, 2022
Instrument	1061121

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	Other
Max Rate	9.37%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 13, 2017
Property Address	DULUTH, MN 55805
Document Number	000T993153
Instrument Date	Dec 7, 2017
Instrument	T993153
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$511.00
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	1304 N 19TH AVE E #15 DULUTH MN 558121131, 15, DULUTH, MN 55812-1131

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	$9,188.00 (+178.42%)
2025	$3,300.00 (+28.4%)	$960,500 (+300.54%) Land $140,800 Building $819,700	$960,500 (+300.54%) Land $140,800 Building $819,700
2024	$2,570.00 (+1.18%)	$239,800 (+72.64%) Land $149,100 Building $90,700	$239,800 (+72.64%) Land $149,100 Building $90,700
2023	$2,540.00
2022		$138,900 (+22.92%) Land $138,900	$138,900 (+22.92%) Land $138,900
2021		$113,000 Land $113,000	$113,000 Land $113,000

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	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1982 · rainfall accumulation

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 94% of the US · lower than 82% 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	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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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