15 W Cypress Dr, Duluth, MN 55810 Property Records

St. Louis County property record for 15 W Cypress Dr, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 875 sqft · built 1971
Lot Size	0.294 acres (12,811 sqft)
Owner	Individual Name on File
Last Sale	$174,900 (Dec 2016)
Tax Bill	$2,906 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`185-0225-00160`

Property Details

APN / Parcel Number

Primary APN	`185-0225-00160`
Alternative APN	`1020811`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	875 sqft Gross Area
1st Floor Area	875 sqft
Basement Area	788 sqft
Finished Basement	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Lot Area	12,811 sqft (0.294 acres)
Garage Area	624 sqft
Deck Area	49 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1020811
Street Address	15 W CYPRESS DR
City	DULUTH
State	MN
Zip	55810-1268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC VAC PART OF BASS BLVD ADJ SERIAL #
Legal Subdivision	ROLLING GREEN DIVISION
Legal Block	1
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1003
Census Tract	10100

Owner

15 W Cypress Dr is owned and occupied by an individual who bought it in December 2016.

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

Owner of Record	Individual Name on File
Mailing Address	15 W CYPRESS DR, DULUTH, MN 55810-1268
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
Aug 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Sep 10, 2021	Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Nov 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Feb 22, 2017	Quit Claim Deed, Transfer Quitclaim
Nov 23, 2016	Deed of Trust, Mortgage · FHA Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2016 · Amount on File
Deed Sale	Dec 5, 2016 · Amount on File
Prior Sale	Jul 14, 2003 · Amount on File
Deed Document Number	2016979214
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	15 W CYPRESS DR, DULUTH, MN 55810-1268
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 W CYPRESS DR, PROCTOR, MN 55810-1268

Mortgage

Document Number	0001059640
Date	Aug 4, 2022
Instrument	1059640

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Sep 20, 2027

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	15 W CYPRESS DR, DULUTH, MN 55810-1268
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 W CYPRESS DR, PROCTOR, MN 55810-1268

Mortgage

Document Number	0001046551
Date	Sep 10, 2021
Instrument	1046551

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Aug 17, 2026

Interest

Rate	5%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	15 W CYPRESS DR, DULUTH, MN 55810-1268
Document Number	0001005085
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 W CYPRESS DR PROCTOR MN 558101268, PROCTOR, MN 55810-1268

Mortgage

Document Number	0001005085
Date	Nov 19, 2018
Instrument	1005085

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 18, 2023

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 22, 2017
Property Address	15 W CYPRESS DR, DULUTH, MN 55810-1268
Document Number	000T982391
Instrument Date	Feb 11, 2017
Instrument	T982391
Transaction Type	Transfer
Record Updated	Mar 6, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 W CYPRESS DR PROCTOR MN 558101268, PROCTOR, MN 55810-1268

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	15 W CYPRESS DR, DULUTH, MN 55810-1268
Document Number	000T980898
Instrument Date	Nov 23, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 W CYPRESS DR PROCTOR MN 558101268, PROCTOR, MN 55810-1268

Mortgage

Document Number	000T980898
Date	Jan 12, 2017
Instrument	T980898

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15 W Cypress Dr was $2,906 with a homeowner's exemption, up 24.7% 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	$2,906.00 (+24.72%) Homeowner's exemption
2025	$2,330.00 (+2.55%) Homeowner's exemption	$226,100 (+18.01%) Land $24,400 Building $201,700	$226,100 (+18.01%) Land $24,400 Building $201,700
2024	$2,272.00	$191,600 Land $28,700 Building $162,900	$191,600 Land $28,700 Building $162,900
2022		$157,700 Land $23,700 Building $134,000	$157,700 Land $23,700 Building $134,000

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

Flood

FEMA maps place 15 W Cypress Dr 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 15 W Cypress Dr 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 94% of the US · lower than 80% 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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