St. Louis County property record for 1938 Middle Ln, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.75 ba · 2,356 sqft · built 2008 |
| Lot Size | 0.893 acres (38,915 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $925,000 (Jun 2026) |
| Tax Bill | $9,574 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0385-00100 |
| Primary APN | 010-0385-00100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,356 sqft Gross Area |
| 1st Floor Area | 1,372 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Block |
| Construction Type | Frame |
| Lot Area | 38,915 sqft (0.893 acres) |
| Garage Area | 1,875 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Patio |
| Porch Area | 384 sqft |
| Deck Area | 250 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Geothermal |
| Account Number | 866038 |
|---|---|
| Street Address | 1938 MIDDLE LN |
| City | DULUTH |
| State | MN |
| Zip | 55811-1621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 2 SERIAL # |
| Legal Subdivision | CEDAR RIDGE ESTATES CITY OF DU |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1938 MIDDLE LN, DULUTH, MN 55811-1621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Dec 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 19, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Prior Sale | Apr 21, 2021 · Amount on Record |
| Deed Document Number | 20261102650 |
| Prior Transfer Date | Apr 15, 2021 |
| Prior Transfer Doc | 0001039532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 22, 2026 |
| Property Address | 1938 MIDDLE LN, DULUTH, MN 55811-1621 |
| Document Number | 0001102650 |
| Instrument Date | May 27, 2026 |
| Instrument | 20261102650 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | TITLE TEAM LLC, TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $308,302.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1938 MIDDLE LN, DULUTH, MN 55811-1621 |
| Investor | Possibly a Property Investor |
| Document Number | 0001102650, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 20261102650 |
| Name | BELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1938 MIDDLE LN, DULUTH, MN 55811-1621 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001064312 |
|---|---|
| Date | Dec 8, 2022 |
| Instrument | 1064312 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 106 Months |
| Due | Oct 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1938 MIDDLE LN, DULUTH, MN 55811-1621 |
| Document Number | 000T984872 |
| Instrument Date | Apr 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1938 MIDDLE LN DULUTH MN 558111621, DULUTH, MN 55811-1621 |
| Document Number | 000T984872 |
|---|---|
| Date | May 15, 2017 |
| Instrument | T984872 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,574.00 (+10.22%) Homeowner's exemption | ||
| 2025 | $8,686.00 (+5.03%) Homeowner's exemption | $646,300 (+5.97%) Land $142,800 Building $503,500 | $646,300 (+5.97%) Land $142,800 Building $503,500 |
| 2024 | $8,270.00 | $609,900 (+14.43%) Land $89,500 Building $520,400 | $609,900 (+14.43%) Land $89,500 Building $520,400 |
| 2022 | $533,000 Land $87,200 Building $445,800 | $533,000 Land $87,200 Building $445,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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