151 Terrace St, Duluth, MN 55811 Property Records

St. Louis County property record for 151 Terrace St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 962 sqft · built 1959
Lot Size	0.226 acres (9,859 sqft)
Owner	Individual Name on Record
Last Sale	$253,000 (Sep 2021)
Tax Bill	$2,760 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2195-00320`

Property Details

APN / Parcel Number

Primary APN	`010-2195-00320`
Alternative APN	`1117522`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	962 sqft Gross Area
1st Floor Area	962 sqft
Basement Area	120 sqft
Finished Basement	120 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	9,859 sqft (0.226 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	220 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1117522
Street Address	151 TERRACE ST
City	DULUTH
State	MN
Zip	55811-4636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:003 SERIAL #
Legal Subdivision	HIGHLAND HILLS SUBDIVISION
Legal Block	3
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1071
Census Tract	302

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	151 TERRACE ST, DULUTH, MN 55811-4636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU
Sep 17, 2019	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BK/CMRC
May 31, 2019	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2021 · Amount on Record
Deed Sale	Sep 22, 2021 · Amount on Record
Prior Sale	Sep 17, 2019 · Amount on Record
Deed Document Number	20211047118
Prior Transfer Date	Mar 9, 2012
Prior Transfer Doc	0000912262
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 22, 2021
Property Address	151 TERRACE ST, DULUTH, MN 55811-4636
Document Number	0001047118
Instrument Date	Sep 17, 2021
Instrument	1047118
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	151 TERRACE ST, DULUTH, MN 55811-4636

Mortgage

Document Number	0001047119
Date	Sep 22, 2021
Instrument	1047119

Lender

Name	NORTH SHORE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 17, 2019
Property Address	151 TERRACE ST, DULUTH, MN 55811-4636
Document Number	00T1015119
Instrument Date	Sep 16, 2019
Instrument	T1015119
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	STEWART TITLE/MINNESOTA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 TERRACE ST DULUTH MN 558114636, DULUTH, MN 55811-4636

Mortgage

Document Number	T1015120
Date	Sep 17, 2019
Instrument	T1015120

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 16, 2034

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	151 TERRACE ST, DULUTH, MN 55811-4636
Document Number	00T1011183
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	151 TERRACE ST DULUTH MN 558114636, DULUTH, MN 55811-4636

Mortgage

Document Number	00T1011183
Date	Jun 6, 2019
Instrument	T1011183

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 5, 2024

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	$2,760.00 (+10.58%) Homeowner's exemption
2025	$2,496.00 (-14.23%) Homeowner's exemption	$249,900 (+21.37%) Land $47,600 Building $202,300	$249,900 (+21.37%) Land $47,600 Building $202,300
2024	$2,910.00	$205,900 (+7.74%) Land $39,400 Building $166,500	$205,900 (+7.74%) Land $39,400 Building $166,500
2022		$191,100 Land $37,800 Building $153,300	$191,100 Land $37,800 Building $153,300

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

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	Not rated no burnable land within ember reach

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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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