19 W Cypress Dr, Duluth, MN 55810 Property Records

St. Louis County property record for 19 W Cypress Dr, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 988 sqft · built 1970
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Tax Bill	$2,222 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-0225-00180`

Property Details

APN / Parcel Number

Primary APN	`185-0225-00180`
Alternative APNs	`1151935` `57119`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	988 sqft Gross Area
1st Floor Area	988 sqft
Basement Area	494 sqft
Finished Basement	494 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Garage Area	484 sqft
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1151935
Street Address	19 W CYPRESS DR
City	DULUTH
State	MN
Zip	55810-1268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0018 BLOCK:001 SERIAL #
Legal Subdivision	ROLLING GREEN DIV C OF PROCTOR
Legal Block	1
Legal Lot Number	18
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1003
Census Tract	10100

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	19 W CYPRESS DR, DULUTH, MN 55810-1268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL CITY CREDIT UNION
Jul 26, 2023	Intrafamily Transfer, Transfer
Sep 30, 2022	Deed of Trust, Mortgage · Commercial Mortgage PROCTOR FEDERAL CU
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 20, 2023
Transfer Doc	0001070541
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 17, 2026
Property Address	19 W CYPRESS DR, DULUTH, MN 55810-1268
Document Number	0001106098
Instrument Date	Sep 3, 2026
Instrument	20261106098
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 W CYPRESS DR, DULUTH, MN 55810-1268

Mortgage

Document Number	0001106098,
Date	Sep 17, 2026
Instrument	20261106098

Lender

Name	CENTRAL CITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 9, 2041

Interest

Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2023
Property Address	19 W CYPRESS DR, DULUTH, MN 55810-1268
Document Number	0001070541
Instrument Date	Jul 20, 2023
Instrument	1070541
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	19 W CYPRESS DR, PROCTOR, MN 55810-1268

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	19 W CYPRESS DR, DULUTH, MN 55810-1268
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 W CYPRESS DR, PROCTOR, MN 55810-1268

Mortgage

Document Number	0001061903
Date	Sep 30, 2022
Instrument	1061903

Lender

Name	PROCTOR FEDERAL CU
Type	Credit Union
Address	DULUTH, MN 55810

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Aug 3, 2032

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	19 W CYPRESS DR, DULUTH, MN 55810-1268
Document Number	00T1014245
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 W CYPRESS DR PROCTOR MN 558101268, PROCTOR, MN 55810-1268

Mortgage

Document Number	00T1014245
Date	Aug 26, 2019
Instrument	T1014245

Lender

Name	FEDERAL EMPS CU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2029

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,222.00 (+6.01%) Homeowner's exemption
2025	$2,096.00 (+7.93%) Homeowner's exemption	$181,800 (+3.12%) Land $15,500 Building $166,300	$181,800 (+3.12%) Land $15,500 Building $166,300
2024	$1,942.00 (+10.34%)	$176,300 (+30.4%) Land $15,700 Building $160,600	$176,300 (+30.4%) Land $15,700 Building $160,600
2023	$1,760.00 Homeowner's exemption
2022		$135,200 (+6.12%) Land $11,900 Building $123,300	$135,200 (+6.12%) Land $11,900 Building $123,300
2021		$127,400 Land $11,000 Building $116,400	$127,400 Land $11,000 Building $116,400

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
Nearby Flood Claims	6 (1978–2012)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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 94% of the US · lower than 80% 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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Spectrum.

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