St. Louis County property record for 1949 Middle Ln, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,825 sqft · built 2005 |
| Lot Size | 0.621 acres (27,084 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $495,000 (Jun 2009) |
| Tax Bill | $10,100 (2026) |
| Deeds & Mortgages | Oct 2019 Line of Credit Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0385-00160 |
| Primary APN | 010-0385-00160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,825 sqft Gross Area |
| 1st Floor Area | 1,825 sqft |
| Basement Area | 1,358 sqft |
| Finished Basement | 1,358 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Block |
| Construction Type | Frame |
| Lot Area | 27,084 sqft (0.621 acres) |
| Garage Area | 1,348 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 30 sqft |
| Deck Area | 578 sqft |
| Patio Area | 196 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 885043 |
|---|---|
| Street Address | 1949 MIDDLE LN |
| City | DULUTH |
| State | MN |
| Zip | 55811-1619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLOCK 3 SERIAL # |
| Legal Subdivision | CEDAR RIDGE ESTATES |
| Legal Block | 3 |
| 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, 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 | 1949 MIDDLE LN, DULUTH, MN 55811-1619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2019 | Deed of Trust, Mortgage · Line of Credit NATIONAL BK/CMRC |
| Sep 25, 2019 | Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/CMRC |
| Nov 26, 2018 | Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/COMMERCE |
| Mar 30, 2017 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2009 · Amount on Record |
| Deed Sale | Jun 15, 2009 · Amount on Record |
| Prior Sale | Jul 17, 2007 · Amount on Record |
| Deed Document Number | 2009870083 |
| Prior Transfer Date | Mar 1, 2007 |
| Prior Transfer Doc | 0000838509 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1949 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 00T1016788 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1949 MIDDLE LN DULUTH MN 558111619, DULUTH, MN 55811-1619 |
| Document Number | 00T1016788 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | T1016788 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 27, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1949 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 00T1015672 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1949 MIDDLE LN DULUTH MN 558111619, DULUTH, MN 55811-1619 |
| Document Number | 00T1015672 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | T1015672 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1949 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 00T1005562 |
| Instrument Date | Nov 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1949 MIDDLE LN DULUTH MN 558111619, DULUTH, MN 55811-1619 |
| Document Number | 00T1005562 |
|---|---|
| Date | Dec 3, 2018 |
| Instrument | T1005562 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1949 MIDDLE LN, DULUTH, MN 55811-1619 |
| Document Number | 000T983882 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2017 |
| Title Company | CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1949 MIDDLE LN DULUTH MN 558111619, DULUTH, MN 55811-1619 |
| Document Number | 000T983882 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | T983882 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 11, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
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 | $10,100.00 (+4%) Homeowner's exemption | ||
| 2025 | $9,712.00 (+5.18%) Homeowner's exemption | $676,900 (+0.83%) Land $137,700 Building $539,200 | $676,900 (+0.83%) Land $137,700 Building $539,200 |
| 2024 | $9,234.00 | $671,300 (+14.4%) Land $86,300 Building $585,000 | $671,300 (+14.4%) Land $86,300 Building $585,000 |
| 2022 | $586,800 Land $84,200 Building $502,600 | $586,800 Land $84,200 Building $502,600 |
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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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