205 3rd St, Duluth, MN 55810 Property Records

St. Louis County property record for 205 3rd St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,276 sqft · built 1920
Lot Size	0.12 acres (5,226 sqft)
Owner	Individual Name on File
Last Sale	$108,500 (Sep 2021)
Tax Bill	$2,168 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0110-01690`

Property Details

APN / Parcel Number

Primary APN	`185-0110-01690`
Alternative APN	`1117794`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,276 sqft Gross Area
1st Floor Area	814 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Other
Construction Type	Frame
Lot Area	5,226 sqft (0.12 acres)
Deck Area	312 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1117794
Street Address	205 3RD ST
City	DULUTH
State	MN
Zip	55810-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 AND WLY 12 FT OF LOT 21 SERIAL #
Legal Subdivision	PROCTORKNOTT MAGOFFINS DIV
Legal Block	15
Legal Lot Number	20-21
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2003
Census Tract	10100

Owner

205 3rd St is owned and occupied by an individual who bought it in September 2021.

Source: St. Louis County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	205 3RD ST, DULUTH, MN 55810-1602
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2021 · Amount on File
Deed Sale	Sep 27, 2021 · Amount on File
Deed Document Number	20211425677
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 27, 2021
Property Address	205 3RD ST, DULUTH, MN 55810-1602
Document Number	0001425677
Instrument Date	Sep 16, 2021
Instrument	1425677
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.05
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 3RD ST, PROCTOR, MN 55810-1602

Mortgage

Document Number	0001425678
Date	Sep 27, 2021
Instrument	1425678

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 22, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5%
Index	Prime Rate
Max Rate	9%

Tax Assessment & Valuation

The 2026 property tax bill for 205 3rd St was $2,168, down 0.6% 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	$2,168.00 (-0.55%)
2025	$2,180.00 (+10.1%)	$149,800 (-2.6%) Land $11,500 Building $138,300	$149,800 (-2.6%) Land $11,500 Building $138,300
2024	$1,980.00	$153,800 Land $11,500 Building $142,300	$153,800 Land $11,500 Building $142,300
2022		$126,600 Land $17,300 Building $109,300	$126,600 Land $17,300 Building $109,300

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

Flood

FEMA maps place 205 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 Claims	1 (1979)
Most Recent Claim	May 1979 · rainfall accumulation

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

The area around 205 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile.

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