1812 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 1812 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Lot Size	0.103 acres (4,496 sqft)
Owner	2 Individual Names on File
Last Sale	$262,500 (Apr 2026)
Tax Bill	$128 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1140-06610`

Property Details

APN / Parcel Number

Primary APN	`010-1140-06610`
Alternative APNs	`1195749` `30827`

Exterior

Lot Area	4,496 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1195749
Street Address	1812 W 3RD ST
City	DULUTH
State	MN
Zip	55806-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 20 FT OF LOT 292 AND E 10 FT OF LOT 294 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIV
Legal Block	94
Legal Lot Number	292,294
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1055
Census Tract	15600

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	2 Individual Names on File
Mailing Address	1812 W 3RD ST, DULUTH, MN 55806-2107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 31, 2025	Affidavit of Death of Joint Tenant, Transfer
Oct 31, 2025	Warranty Deed, Transfer HARPER HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Oct 31, 2025 · Amount on File
Deed Document Number	20261530026
Prior Transfer Date	Jul 17, 2024
Prior Transfer Doc	0001492020
Record Updated	Sep 20, 2026

April 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 1, 2026
Property Address	1812 W 3RD ST, DULUTH, MN 55806-2107
Document Number	0001530026
Instrument Date	Mar 17, 2026
Instrument	20261530026
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,491.25
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1812 W 3RD ST, DULUTH, MN 55806-2107
Investor	Possibly a Property Investor

Mortgage

Document Number	0001530027,
Date	Apr 1, 2026
Instrument	20261530027

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2066

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 31, 2025
Property Address	1812 W 3RD ST, DULUTH, MN 55806-2107
Document Number	0001521465
Instrument Date	Oct 13, 2025
Instrument	1521465
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S RUSSELL AVE LOT 132, 132, DOUGLAS, WY 82633-3104

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 31, 2025
Property Address	1812 W 3RD ST, DULUTH, MN 55806-2107
Document Number	0001521466
Instrument Date	Oct 13, 2025
Instrument	1521466
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 CROSBY RD, CLOQUET, MN 55720-9285
Investor	Possibly a Property Investor

Mortgage

Document Number	0001521467
Date	Oct 31, 2025
Instrument	1521467

Lender

Name	HARPER HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	6 Months
Due	Apr 14, 2026

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	$128.00 (+1.59%) Homeowner's exemption
2025	$126.00 Homeowner's exemption	$9,600 (+3.23%) Land $9,600	$9,600 (+3.23%) Land $9,600
2024	$126.00	$9,300 (+10.71%) Land $9,300	$9,300 (+10.71%) Land $9,300
2022		$8,400 Land $8,400	$8,400 Land $8,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, CenturyLink.

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