157 Terrace St, Duluth, MN 55811 Property Records

St. Louis County property record for 157 Terrace St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 962 sqft · built 1958
Lot Size	0.226 acres (9,859 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Aug 2018)
Tax Bill	$3,082 (2026)
Deeds & Mortgages	Aug 2018 Sale Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2195-00330`

Property Details

APN / Parcel Number

Primary APN	`010-2195-00330`
Alternative APNs	`1056986` `1178192`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	962 sqft Gross Area
1st Floor Area	962 sqft
Basement Area	299 sqft
Finished Basement	299 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	9,859 sqft (0.226 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	40 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1178192
Street Address	157 TERRACE ST
City	DULUTH
State	MN
Zip	55811-4636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0005 BLOCK:003 SERIAL #
Legal Subdivision	HIGHLAND HILLS SUBDIVISION
Legal Block	3
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1071
Census Tract	302

Owner

157 Terrace St is owned by an individual who bought it in August 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	14009 SUNNYSLOPE DR, MAPLE GROVE, MN 55311-3413
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2018	Warranty Deed, Transfer PIONEER ABSTRACT AND TITLE DULUT
Aug 30, 2018	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Prior Sale	Aug 30, 2018 · Amount on File
Deed Document Number	20181002153
Record Updated	Sep 20, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 30, 2018
Property Address	157 TERRACE ST, DULUTH, MN 55811-4636
Document Number	00T1002152
Instrument Date	Aug 11, 2018
Instrument	T1002152
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	PIONEER ABSTRACT AND TITLE DULUT

Transaction

Amount	Amount on Record
Tax	$346.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 TERRACE ST DULUTH MN 558114636, DULUTH, MN 55811-4636

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 30, 2018
Property Address	157 TERRACE ST, DULUTH, MN 55811-4636
Document Number	00T1002153
Instrument Date	Aug 9, 2018
Instrument	T1002153
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	PIONEER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.60
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	157 TERRACE ST DULUTH MN 558114636, DULUTH, MN 55811-4636

Mortgage

Document Number	1002154
Date	Aug 30, 2018
Instrument	1002154

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 157 Terrace St was $3,082, up 9.3% 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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,082.00 (+9.29%)
2025	$2,820.00 (-2.35%)	$224,500 (+9.73%) Land $47,600 Building $176,900	$224,500 (+9.73%) Land $47,600 Building $176,900
2024	$2,888.00	$204,600 Land $39,400 Building $165,200	$204,600 Land $39,400 Building $165,200
2022		$189,900 Land $37,800 Building $152,100	$189,900 Land $37,800 Building $152,100

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

Flood

FEMA maps place 157 Terrace St in Zone X, an area of minimal flood risk.

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

The area around 157 Terrace St has no burnable land within ember reach, so its wildfire risk is not rated.

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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