20 W Cypress Dr, Duluth, MN 55810 Property Records

St. Louis County property record for 20 W Cypress Dr, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1970
Lot Size	0.199 acres (8,688 sqft)
Owner	Individual Name on File
Last Sale	$195,800 (Oct 2019)
Tax Bill	$2,260 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Apr 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0225-00470`

Property Details

APN / Parcel Number

Primary APN	`185-0225-00470`
Alternative APN	`1079845`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,080 sqft Gross Area
1st Floor Area	1,080 sqft
Basement Area	270 sqft
Finished Basement	270 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	8,688 sqft (0.199 acres)
Deck Area	128 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1079845
Street Address	20 W CYPRESS DR
City	DULUTH
State	MN
Zip	55810-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0047 BLOCK:001 SERIAL #
Legal Subdivision	ROLLING GREEN DIV C OF PROCTOR
Legal Block	1
Legal Lot Number	47
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1004
Census Tract	10100

Owner

20 W Cypress Dr is owned and occupied by an individual who bought it in October 2019.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	20 W CYPRESS DR, DULUTH, MN 55810-1207
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Warranty Deed, Transfer · Conventional with PMI SUPERIOR CHOICE CU
Apr 9, 2019	Grant Deed, Transfer · Line of Credit MEMBERS COOPERATIVE CU
Aug 8, 2018	Trustee's Deed, Foreclosure METRO LEGAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Prior Sale	Apr 9, 2019 · Amount on File
Deed Document Number	20191016700
Record Updated	Sep 20, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 25, 2019
Property Address	20 W CYPRESS DR, DULUTH, MN 55810-1207
Document Number	00T1016700
Instrument Date	Oct 15, 2019
Instrument	T1016700
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$646.14
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W CYPRESS DR PROCTOR MN 558101207, PROCTOR, MN 55810-1207

Mortgage

Document Number	T1016701
Date	Oct 25, 2019
Instrument	T1016701

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 9, 2019
Property Address	20 W CYPRESS DR, DULUTH, MN 55810-1207
Document Number	0001009318
Instrument Date	Mar 18, 2019
Instrument	1009318
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1000 US BANK PLACE 130 W SUPERIOR DULUTH MN 55802, DULUTH, MN 55802

Mortgage

Document Number	1009319
Date	Apr 9, 2019
Instrument	1009319

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 8, 2018
Property Address	20 W CYPRESS DR, DULUTH, MN 55810-1207
Document Number	00A1001254
Instrument Date	Aug 8, 2018
Instrument	A1001254
Transaction Type	Foreclosure
Record Updated	Aug 22, 2018
Title Company	METRO LEGAL SERVICES

Transaction

Amount	Amount on Record
Tax	$577.86
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W CYPRESS DR PROCTOR MN 558101207, PROCTOR, MN 55810-1207

Tax Assessment & Valuation

The 2026 property tax bill for 20 W Cypress Dr was $2,260 with a homeowner's exemption, up 8% from the year before.

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	$2,260.00 (+8.03%) Homeowner's exemption
2025	$2,092.00 (+8.06%) Homeowner's exemption	$184,200 (+4.72%) Land $18,300 Building $165,900	$184,200 (+4.72%) Land $18,300 Building $165,900
2024	$1,936.00	$175,900 Land $16,800 Building $159,100	$175,900 Land $16,800 Building $159,100
2022		$134,900 Land $12,700 Building $122,200	$134,900 Land $12,700 Building $122,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 W Cypress Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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

Wildfire risk around 20 W Cypress Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 86% 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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