St. Louis County property record for 2105 Harvard Ave, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,256 sqft · built 1970 |
| Lot Size | 0.258 acres (11,257 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $257,500 (Mar 2014) |
| Tax Bill | $5,666 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage Apr 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1850-01265 |
| Primary APN | 010-1850-01265 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Gross Area |
| 1st Floor Area | 1,256 sqft |
| Basement Area | 942 sqft |
| Finished Basement | 942 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 11,257 sqft (0.258 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 37 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 966025 |
|---|---|
| Street Address | 2105 HARVARD AVE |
| City | DULUTH |
| State | MN |
| Zip | 55803-2228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 1/2 OF LOTS 14 15 AND 16 SERIAL # |
| Legal Subdivision | THIRD GLEN AVON DIVISION OF DULUTH |
| Legal Block | 12 |
| Legal Lot Number | 14-15 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 500 |
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 | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2023 | Deed of Trust, Mortgage · SBA Mortgage NORTH SHORE BANK OF COMMERCE |
| Apr 6, 2023 | Deed of Trust, Mortgage · Line of Credit NORTHLAND FOUNDATION |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAMBRIA MTG |
| Dec 21, 2017 | Deed of Trust, Mortgage · Conventional with PMI WYNDHAM CAP MTG |
| Feb 16, 2017 | Deed of Trust, Mortgage · Conventional with PMI WYNDHAM CAP MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2014 · Amount on Record |
| Deed Sale | Mar 12, 2014 · Amount on Record |
| Prior Sale | Jun 19, 2012 · Amount on Record |
| Deed Document Number | 20141234432 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Investor | Possibly a Property Investor |
| Document Number | 0001464843 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 1464843 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Investor | Possibly a Property Investor |
| Document Number | 0001464493 |
|---|---|
| Date | Apr 6, 2023 |
| Instrument | 1464493 |
| Name | NORTHLAND FOUNDATION |
|---|---|
| Type | Non-Lending Institution |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 7, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Document Number | 00A1391728 |
| Instrument Date | Sep 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2105 HARVARD AVE DULUTH MN 558032228, DULUTH, MN 55803-2228 |
| Document Number | 00A1391728 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | A1391728 |
| Name | CAMBRIA MTG |
|---|---|
| Type | Mortgage Company |
| Address | EDEN PRAIRIE, MN 55344 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 29, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Document Number | 00A1325034 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2105 HARVARD AVE DULUTH MN 558032228, DULUTH, MN 55803-2228 |
| Document Number | 00A1325034 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | A1325034 |
| Name | WYNDHAM CAP MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 28, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2105 HARVARD AVE, DULUTH, MN 55803-2228 |
| Document Number | 00A1304693 |
| Instrument Date | Feb 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2105 HARVARD AVE DULUTH MN 558032228, DULUTH, MN 55803-2228 |
| Document Number | 00A1304693 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | A1304693 |
| Name | WYNDHAM CAP MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 22, 2037 |
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 | $5,666.00 (+4.65%) Homeowner's exemption | ||
| 2025 | $5,414.00 (-4.82%) Homeowner's exemption | $429,100 (+6.24%) Land $61,400 Building $367,700 | $429,100 (+6.24%) Land $61,400 Building $367,700 |
| 2024 | $5,688.00 | $403,900 (+15.6%) Land $57,300 Building $346,600 | $403,900 (+15.6%) Land $57,300 Building $346,600 |
| 2022 | $349,400 Land $39,200 Building $310,200 | $349,400 Land $39,200 Building $310,200 |
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 | 7 in force |
| Nearby Flood Claims | 2 (1979–1991) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 1991 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 84% 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.
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 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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