213 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 213 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.25 ba · 2,479 sqft · built 1879
Lot Size	0.16 acres (6,976 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Jul 2023)
Tax Bill	$2,000 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-0980-00250`

Property Details

APN / Parcel Number

Primary APN	`010-0980-00250`
Alternative APNs	`1017476` `1150914`

Interior

Bedrooms	5 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,479 sqft Gross Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,976 sqft (0.16 acres)
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	70 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1150914
Street Address	213 W 3RD ST
City	DULUTH
State	MN
Zip	55806-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 SERIAL #
Legal Subdivision	DULUTH PROPER 1ST DIV WEST 3RD
Legal Lot Number	39
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3007
Census Tract	1800

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	213 W 3RD ST, DULUTH, MN 55806-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jul 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTH SHORE BANK OF COMMERCE
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Nov 1, 2006 · Amount on Record
Deed Document Number	20231469494
Prior Transfer Date	Aug 27, 2007
Prior Transfer Doc	0001063944
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Apr 14, 2026
Property Address	213 W 3RD ST, DULUTH, MN 55806-2711
Document Number	0001530757
Instrument Date	Mar 23, 2026
Instrument	20261530757
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 W 3RD ST, DULUTH, MN 55806-2711

Mortgage

Document Number	0001530757,
Date	Apr 14, 2026
Instrument	20261530757

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	213 W 3RD ST, DULUTH, MN 55806-2711
Transaction Type	Mortgage
Record Updated	Aug 25, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001469496
Date	Jul 7, 2023
Instrument	1469496

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2023
Property Address	213 W 3RD ST, DULUTH, MN 55806-2711
Document Number	0001469494
Instrument Date	Jun 13, 2023
Instrument	1469494
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 W 3RD ST, DULUTH, MN 55806-2711

Mortgage

Document Number	0001469495
Date	Jul 7, 2023
Instrument	1469495

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	213 W 3RD ST, DULUTH, MN 55806-2711
Document Number	00A1341798
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 W 3RD ST DULUTH MN 558062711, DULUTH, MN 55806-2711

Mortgage

Document Number	00A1341798
Date	Oct 1, 2018
Instrument	A1341798

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,000.00 (+6.27%) Homeowner's exemption
2025	$1,882.00 (+4.21%) Homeowner's exemption	$185,600 (+12.96%) Land $27,700 Building $157,900	$185,600 (+12.96%) Land $27,700 Building $157,900
2024	$1,806.00 (+4.88%)	$164,300 (+20.72%) Land $25,200 Building $139,100	$164,300 (+20.72%) Land $25,200 Building $139,100
2023	$1,722.00 Homeowner's exemption
2022		$136,100 (+148.81%) Land $27,900 Building $108,200	$136,100 (+148.81%) Land $27,900 Building $108,200
2021		$54,700 Land $12,500 Building $42,200	$54,700 Land $12,500 Building $42,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	2 (1979)
Most Recent Claim	Dec 1979 · tidal / storm surge

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

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	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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber, AT&T, Fidium Fiber.

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