St. Louis County property record for 1950 Middle Ln, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,374 sqft · built 2006 |
| Lot Size | 0.834 acres (36,334 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,040,000 (May 2026) |
| Tax Bill | $11,850 (2026) |
| Deeds & Mortgages | Feb 2022 Line of Credit Sep 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0385-00130 |
| Primary APN | 010-0385-00130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,374 sqft Gross Area |
| 1st Floor Area | 2,374 sqft |
| Basement Area | 1,780 sqft |
| Finished Basement | 1,780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 36,334 sqft (0.834 acres) |
| Garage Area | 3,700 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 132 sqft |
| Deck Area | 288 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1197461 |
|---|---|
| Street Address | 1950 MIDDLE LN |
| City | DULUTH |
| State | MN |
| Zip | 55811-1621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLOCK 2 SERIAL # |
| Legal Subdivision | CEDAR RIDGE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| 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 | 1950 MIDDLE LN, DULUTH, MN 55811-1621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| May 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on Record |
| Deed Sale | May 18, 2026 · Amount on Record |
| Prior Sale | Feb 17, 2005 · Amount on Record |
| Deed Document Number | 20261101588 |
| Prior Transfer Date | Aug 5, 2024 |
| Prior Transfer Doc | 0001082568 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1950 MIDDLE LN, DULUTH, MN 55811-1621 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001053104 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 1053104 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 6, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1950 MIDDLE LN, DULUTH, MN 55811-1621 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001094064 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 1094064 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 10, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 18, 2026 |
| Property Address | 1950 MIDDLE LN, DULUTH, MN 55811-1621 |
| Document Number | 0001101588 |
| Instrument Date | May 18, 2026 |
| Instrument | 20261101588 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $346,632.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1950 MIDDLE LN, DULUTH, MN 55811-1621 |
| Document Number | 0001101589, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 20261101589 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $11,850.00 (+10.42%) Homeowner's exemption | ||
| 2025 | $10,732.00 (+5.22%) Homeowner's exemption | $778,500 (+6.31%) Land $141,700 Building $636,800 | $778,500 (+6.31%) Land $141,700 Building $636,800 |
| 2024 | $10,200.00 | $732,300 (+14.74%) Land $88,800 Building $643,500 | $732,300 (+14.74%) Land $88,800 Building $643,500 |
| 2022 | $638,200 Land $86,600 Building $551,600 | $638,200 Land $86,600 Building $551,600 |
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 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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