St. Louis County property record for 1907 Middle Ln, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,150 sqft · built 2007 |
| Lot Size | 0.903 acres (39,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $620,000 (Aug 2022) |
| Tax Bill | $9,078 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Aug 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0385-00230 |
| Primary APN | 010-0385-00230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,150 sqft Gross Area |
| 1st Floor Area | 2,379 sqft |
| Basement Area | 1,250 sqft |
| Finished Basement | 1,250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 39,356 sqft (0.903 acres) |
| Garage Area | 2,290 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 114 sqft |
| Deck Area | 382 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1135965 |
|---|---|
| Street Address | 1907 MIDDLE LN |
| City | DULUTH |
| State | MN |
| Zip | 55811-1619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLOCK 4 SERIAL # |
| Legal Subdivision | CEDAR RIDGE ESTATES CITY OF DU |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 400 |
Source: St. Louis County records · APN 010-0385-00230
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 | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2022 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Aug 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Apr 02, 2019 | Warranty Deed, Transfer · ARM US BANK NA |
| Feb 04, 2019 | Grant Deed, Construction Loan · Construction Mortgage REPUBLIC BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2022 · Amount on Record |
| Deed Sale | Aug 26, 2022 · Amount on Record |
| Prior Sale | Aug 12, 2022 · Amount on Record |
| Deed Document Number | 20221060533 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 0001061786 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 1061786 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 19, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 26, 2022 |
| Property Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 0001060533 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 1060533 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,046.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Investor | Possibly a Property Investor |
| Document Number | 0001060534 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 1060534 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 02, 2019 |
| Property Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 0001009052 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 1009052 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 0001009053 |
|---|---|
| Date | Apr 02, 2019 |
| Instrument | 1009053 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Apr 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.62% |
| Index | 1-Year CMT |
| Max Rate | 8.62% |
| Document Number | 0001009054 |
|---|---|
| Date | Apr 02, 2019 |
| Instrument | 1009054 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55423 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 04, 2019 |
| Property Address | 1907 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 0001349429 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 1349429 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $162.16 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1907 MIDDLE LN DULUTH MN 558111619, DULUTH, MN 55811-1619 |
| Document Number | 1348430 |
|---|---|
| Date | Feb 04, 2019 |
| Instrument | 1348430 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 03, 2020 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $9,078.00 (+9.61%) | ||
| 2025 | $8,282.00 (+4.99%) | $617,400 (+5.41%) Land $143,000 Building $474,400 | $617,400 (+5.41%) Land $143,000 Building $474,400 |
| 2024 | $7,888.00 | $585,700 (+14.26%) Land $89,600 Building $496,100 | $585,700 (+14.26%) Land $89,600 Building $496,100 |
| 2022 | $512,600 Land $87,400 Building $425,200 | $512,600 Land $87,400 Building $425,200 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370004002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 65 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MN1690011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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