203 Terrace St, Duluth, MN 55811 Property Records

St. Louis County property record for 203 Terrace St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,044 sqft · built 1959
Lot Size	0.226 acres (9,859 sqft)
Owner	2 Individual Names on File
Last Sale	$405,500 (Jun 2025)
Tax Bill	$3,660 (2026)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2195-00360`

Property Details

APN / Parcel Number

Primary APN	`010-2195-00360`
Alternative APNs	`1030785` `1183272`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,044 sqft Gross Area
1st Floor Area	1,044 sqft
Basement Area	784 sqft
Finished Basement	784 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	9,859 sqft (0.226 acres)
Garage Area	572 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Patio Area	100 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1183272
Street Address	203 TERRACE ST
City	DULUTH
State	MN
Zip	55811-4613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:003 SERIAL #
Legal Subdivision	HIGHLAND HILLS SUBDIVISION
Legal Block	3
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1071
Census Tract	302

Owner

203 Terrace St is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	203 TERRACE ST, DULUTH, MN 55811-4613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2025 · Amount on File
Deed Sale	Jun 5, 2025 · Amount on File
Prior Sale	May 18, 2017 · Amount on File
Deed Document Number	20251090843
Prior Transfer Date	Jul 24, 2007
Prior Transfer Doc	0000840751
Record Updated	Sep 20, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 19, 2017
Property Address	203 TERRACE ST, DULUTH, MN 55811-4613
Document Number	000T985058
Instrument Date	May 19, 2017
Instrument	T985058
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 TERRACE ST DULUTH MN 558114613, DULUTH, MN 55811-4613

Mortgage

Document Number	T985059
Date	May 19, 2017
Instrument	T985059

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 203 Terrace St was $3,660 with a homeowner's exemption, up 9.9% 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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,660.00 (+9.91%) Homeowner's exemption
2025	$3,330.00 (-12.96%) Homeowner's exemption	$316,400 (+20.53%) Land $47,600 Building $268,800	$316,400 (+20.53%) Land $47,600 Building $268,800
2024	$3,826.00	$262,500 Land $39,400 Building $223,100	$262,500 Land $39,400 Building $223,100
2022		$243,200 Land $37,800 Building $205,400	$243,200 Land $37,800 Building $205,400

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

Flood

FEMA maps place 203 Terrace St in Zone X, an area of minimal flood risk.

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

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 203 Terrace St 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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: T-Mobile.

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