1401 Coach Light Cir, Duluth, MN 55810 Property Records

St. Louis County property record for 1401 Coach Light Cir, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,254 sqft · built 2005
Lot Size	0.483 acres (21,043 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Jul 2020)
Tax Bill	$6,810 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-0087-00070`

Property Details

APN / Parcel Number

Primary APN	`185-0087-00070`
Alternative APNs	`1092841` `1151660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,254 sqft Gross Area
1st Floor Area	1,288 sqft
Basement Area	1,159 sqft
Finished Basement	1,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	21,043 sqft (0.483 acres)
Garage Area	720 sqft

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	120 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1151660
Street Address	1401 COACH LIGHT CIR
City	DULUTH
State	MN
Zip	55810-2501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLOCK 1 SERIAL #
Legal Subdivision	HIDDEN RIDGE
Legal Block	1
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1003
Census Tract	10100

Owner

1401 Coach Light Cir is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1401 COACH LIGHT CIR, DULUTH, MN 55810-2501
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
Apr 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 21, 2020	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK
Jul 21, 2020	Affidavit of Death, Transfer STEWART TITLE
Jun 8, 2018	Loan Modification, Mortgage · Conventional Mortgage PROCTOR FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2020 · Amount on File
Deed Sale	Jul 21, 2020 · Amount on File
Prior Sale	Dec 1, 2005 · Amount on File
Deed Document Number	20201026142
Prior Transfer Date	Apr 21, 2006
Prior Transfer Doc	0000816723
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1401 COACH LIGHT CIR, DULUTH, MN 55810-2501
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001078177
Date	Apr 3, 2024
Instrument	1078177

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2044

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 21, 2020
Property Address	1401 COACH LIGHT CIR, DULUTH, MN 55810-2501
Document Number	00T1026142
Instrument Date	Jul 14, 2020
Instrument	T1026142
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,205.00
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	869 SILVIA CT PACIFICA CA 940444154, PACIFICA, CA 94044-4154

Mortgage

Document Number	T1026143
Date	Jul 21, 2020
Instrument	T1026143

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2050

July 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Jul 21, 2020
Property Address	1401 COACH LIGHT CIR, DULUTH, MN 55810-2501
Document Number	00T1026141
Instrument Date	Jul 14, 2020
Instrument	T1026141
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	STEWART TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	869 SILVIA CT PACIFICA CA 940444154, PACIFICA, CA 94044-4154

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	1401 COACH LIGHT CIR, DULUTH, MN 55810-2501
Document Number	00A1000915
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	00A1000915
Date	Aug 1, 2018
Instrument	A1000915

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 31, 2023

Interest

Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 1401 Coach Light Cir was $6,810 with a homeowner's exemption, up 3.3% 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	$6,810.00 (+3.34%) Homeowner's exemption
2025	$6,590.00 (+3.94%) Homeowner's exemption	$478,900 (+1.27%) Land $36,200 Building $442,700	$478,900 (+1.27%) Land $36,200 Building $442,700
2024	$6,340.00	$472,900 Land $37,500 Building $435,400	$472,900 Land $37,500 Building $435,400
2022		$389,100 Land $30,900 Building $358,200	$389,100 Land $30,900 Building $358,200

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

Flood

FEMA maps place 1401 Coach Light Cir 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 1401 Coach Light Cir 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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