16 Howard Gnesen Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 16 Howard Gnesen Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1940
Lot Size	0.177 acres (7,745 sqft)
Owner	Individual Name on File
Last Sale	$114,900 (Aug 2009)
Tax Bill	$2,284 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2160-00020`

Property Details

APN / Parcel Number

Primary APN	`010-2160-00020`
Alternative APN	`888211`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	1 sqft
Finished Basement	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	7,745 sqft (0.177 acres)
Garage Area	209 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	24 sqft
Deck Area	Deck Area
Storage Building	90 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	888211
Street Address	16 HOWARD GNESEN RD
City	DULUTH
State	MN
Zip	55811-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0002 BLOCK:000 SERIAL #
Legal Subdivision	HENDRICKSENS SUNNYSIDE ADD TO
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	400

Owner

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	16 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 14, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 14, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2009 · Amount on File
Deed Sale	Aug 27, 2009 · Amount on File
Deed Document Number	20091116737
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	16 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001432722
Date	Dec 14, 2021
Instrument	1432722

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	16 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	00A1351060
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612

Mortgage

Document Number	00A1351060
Date	Mar 5, 2019
Instrument	A1351060

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	16 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	0001352399
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612

Mortgage

Document Number	0001352399
Date	Apr 2, 2019
Instrument	1352399

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate	5.12%

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	$2,284.00 (+12.62%) Homeowner's exemption
2025	$2,028.00 (-9.87%) Homeowner's exemption	$195,500 (+12.16%) Land $30,300 Building $165,200	$195,500 (+12.16%) Land $30,300 Building $165,200
2024	$2,250.00	$174,300 (+5.89%) Land $51,400 Building $122,900	$174,300 (+5.89%) Land $51,400 Building $122,900
2022		$164,600 Land $48,100 Building $116,500	$164,600 Land $48,100 Building $116,500

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	2 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · other causes

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 95% of the US · lower than 84% 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	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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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