1407 S Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 1407 S Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,865 sqft · built 1993
Lot Size	0.54 acres (23,541 sqft)
Owner	Individual Name on Record
Tax Bill	$12,934 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Apr 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00040`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00040`
Alternative APN	`554887`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,865 sqft Gross Area
1st Floor Area	2,237 sqft
Basement Area	560 sqft
Finished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Block
Construction Type	Frame
Roof Type	Gable
Lot Area	23,541 sqft (0.54 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	42 sqft
Deck Area	560 sqft
Gazebo	166 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	554887
Street Address	1407 S RIDGE RD
City	DULUTH
State	MN
Zip	55804-1474
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:001 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	1
Legal Lot Number	4
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	1407 S RIDGE RD, DULUTH, MN 55804-1474
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit BELL BANK
Apr 24, 2019	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1407 S RIDGE RD, DULUTH, MN 55804-1474
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 S RIDGE RD, DULUTH, MN 55804-1474

Mortgage

Document Number	0001059831
Date	Aug 9, 2022
Instrument	1059831

Lender

Name	BELL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 13, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	1407 S RIDGE RD, DULUTH, MN 55804-1474
Document Number	00T1010759
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1407 S RIDGE RD DULUTH MN 558041474, DULUTH, MN 55804-1474

Mortgage

Document Number	00T1010759
Date	May 24, 2019
Instrument	T1010759

Lender

Name	WELLS FARGO BK
Type	Bank
Address	BILLINGS, MT 59107-9900

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$12,934.00 (+7.98%) Homeowner's exemption
2025	$11,978.00 (+3.56%) Homeowner's exemption	$887,300 (+9.96%) Land $82,100 Building $805,200	$887,300 (+9.96%) Land $82,100 Building $805,200
2024	$11,566.00	$806,900 (+6.02%) Land $82,100 Building $724,800	$806,900 (+6.02%) Land $82,100 Building $724,800
2022		$761,100 Land $46,400 Building $714,700	$761,100 Land $46,400 Building $714,700

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.

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