1538 Torgeson Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 1538 Torgeson Rd, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2.25 ba · 1,318 sqft · built 2004
Lot Size	20 acres (874,249 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Jul 2023)
Tax Bill	$3,232 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`315-0020-02371`

Property Details

APN / Parcel Number

Primary APN	`315-0020-02371`
Alternative APNs	`1091572` `1151126`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,318 sqft Gross Area
1st Floor Area	1,318 sqft
Basement Area	1,182 sqft
Finished Basement	1,182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Modular
Exterior Material	Wood
Construction Type	Frame
Lot Area	874,249 sqft (20 acres)
Garage Area	768 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	45 sqft
Deck Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1151126
Street Address	1538 TORGESON RD
City	DULUTH
State	MN
Zip	55804-8608
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	WLY 350 FT OF W1/2 OF E1/2 OF NE1/4 EX NLY450 FT OF ELY 110 FT OF WLY 350 FT SERIAL #
Legal Range	12W
Legal Township	52N
Legal Section	15
Legal Subdivision	DULUTH TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1010
Census Tract	10500

Owner

Source: St. Louis County records · APN 315-0020-02371

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	1538 TORGESON RD, DULUTH, MN 55804-8608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL/OMAHA MORTGAGE LLC
Jul 12, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST CLASS MORTGAGE V INC
Mar 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FCU
Jun 25, 2020	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE FCU
Apr 05, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	20231469777
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Apr 17, 2026
Property Address	1538 TORGESON RD, DULUTH, MN 55804-8608
Document Number	0001531041
Instrument Date	Mar 31, 2026
Instrument	20261531041
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1538 TORGESON RD, DULUTH, MN 55804-8608

Mortgage

Document Number	0001531041,
Date	Apr 17, 2026
Instrument	20261531041

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 12, 2023
Property Address	1538 TORGESON RD, DULUTH, MN 55804-8608
Document Number	0001469777
Instrument Date	Jul 07, 2023
Instrument	1469777
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,617.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1538 TORGESON RD, DULUTH, MN 55804-8608

Mortgage

Document Number	0001469778
Date	Jul 12, 2023
Instrument	1469778

Lender

Name	FIRST CLASS MORTGAGE V INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1538 TORGESON RD, DULUTH, MN 55804-8608
Transaction Type	Mortgage
Record Updated	Sep 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001405893
Date	Mar 04, 2021
Instrument	1405893

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 25, 2020
Property Address	1538 TORGESON RD, DULUTH, MN 55804-8608
Document Number	00A1383589
Instrument Date	Jun 19, 2020
Instrument	A1383589
Transaction Type	Transfer
Record Updated	Aug 07, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,109.00
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	1538 TORGESON RD DULUTH MN 558048608, DULUTH, MN 55804-8608

Mortgage

Document Number	A1383590
Date	Jun 25, 2020
Instrument	A1383590

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 05, 2018
Property Address	1538 TORGESON RD, DULUTH, MN 55804-8608
Document Number	00A1330573
Instrument Date	Apr 05, 2018
Instrument	A1330573
Transaction Type	Transfer
Record Updated	Apr 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1538 TORGESON RD DULUTH MN 558048608, DULUTH, MN 55804-8608

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,232.00 (+12.77%) Homeowner's exemption
2025	$2,866.00 (+2.65%) Homeowner's exemption	$428,500 (+4.87%) Land $109,600 Building $318,900	$428,500 (+4.87%) Land $109,600 Building $318,900
2024	$2,792.00 (-6.43%)	$408,600 (+15.75%) Land $104,700 Building $303,900	$408,600 (+15.75%) Land $104,700 Building $303,900
2023	$2,984.00 Homeowner's exemption
2022		$353,000 (+13.43%) Land $89,300 Building $263,700	$353,000 (+13.43%) Land $89,300 Building $263,700
2021		$311,200 Land $68,600 Building $242,600	$311,200 Land $68,600 Building $242,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370105001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	2 (1993)
Most Recent Claim	May 1993, erosion

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Zito West Holding	Fiber	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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