2231 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2231 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Apartments (5+ Units)
Details	5,747 sqft · built 1890
Lot Size	0.308 acres (13,440 sqft)
Owner	Company Name on Record
Last Sale	$685,000 (Nov 2025)
Tax Bill	$8,442 (2026)
Deeds & Mortgages	May 2024 Line of Credit Jan 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-01040`

Property Details

APN / Parcel Number

Primary APN	`010-1180-01040`
Alternative APNs	`1126126` `1191177`

Interior

Units	7 Units
Stories	2 Stories
Building Area	5,747 sqft Gross Area
1st Floor Area	2,100 sqft
Basement Area	2,100 sqft
Unfinished Basement	2,100 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2005
Exterior Material	Wood
Lot Area	13,440 sqft (0.308 acres)
Lot Dimensions	140 ft deep x 96 ft wide
Garage Type	Mixed
Garage Area	5,488 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1191177
Street Address	2231 W 3RD ST
City	DULUTH
State	MN
Zip	55806-1942
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	C2
Legal Description	WLY 46 FT OF LOT 365 AND ALL OF LOT 367 SERIAL #
Legal Subdivision	DULUTH PROPER
Legal Block	111
Legal Lot Number	365,367
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3007
Census Tract	15600

Owner

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	Company Name on Record
Mailing Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 24, 2024	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jan 27, 2025	Deed of Trust, Mortgage · Commercial Mortgage MEMBERS COOPERATIVE CU
Nov 18, 2025	Warranty Deed, Transfer · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Feb 15, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 9, 2019	Deed of Trust, Mortgage MEMBERS COOPERATIVE CU
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Mar 20, 2019	Warranty Deed, Transfer NORTH SHORE TITLE
Jan 6, 2017	Warranty Deed, Transfer · Line of Credit NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Mar 20, 2019 · Amount on Record
Deed Document Number	20251522621
Prior Transfer Date	Feb 11, 2022
Prior Transfer Doc	0001437494
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N CENTRAL AVE, DULUTH, MN 55807-2502

Mortgage

Document Number	0001488645
Date	May 24, 2024
Instrument	1488645

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N CENTRAL AVE, DULUTH, MN 55807-2502

Mortgage

Document Number	0001504121
Date	Jan 27, 2025
Instrument	1504121

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 18, 2025
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Document Number	0001522621
Instrument Date	Nov 10, 2025
Instrument	1522621
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,260.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 116, ESKO, MN 55733-0116

Mortgage

Document Number	0001522622
Date	Nov 18, 2025
Instrument	1522622

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 10, 2030

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 15, 2022
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Document Number	0001437494
Instrument Date	Feb 11, 2022
Instrument	1437494
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9156 AERIE LAKE RD, ALBORN, MN 55702-8206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N CENTRAL AVE, DULUTH, MN 55807-2502

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Document Number	00A1354702
Instrument Date	Apr 9, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4992 HERITAGE DR DULUTH MN 558031102, DULUTH, MN 55803-1102

Mortgage

Document Number	00A1354702
Date	May 14, 2019
Instrument	A1354702

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Document Number	00A1352064
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4992 HERITAGE DR DULUTH MN 558031102, DULUTH, MN 55803-1102

Mortgage

Document Number	00A1352064
Date	Mar 25, 2019
Instrument	A1352064

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 20, 2019
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Document Number	00A1351855
Instrument Date	Mar 13, 2019
Instrument	A1351855
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$1,402.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4992 HERITAGE DR DULUTH MN 558031102, DULUTH, MN 55803-1102

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 6, 2017
Property Address	2231 W 3RD ST, DULUTH, MN 55806-1942
Document Number	00A1301669
Instrument Date	Dec 30, 2016
Instrument	A1301669
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,386.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 HOLLY ST BRAINERD MN 564013040, BRAINERD, MN 56401-3040

Mortgage

Document Number	A1301670
Date	Jan 6, 2017
Instrument	A1301670

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$8,442.00 (+15.9%)
2025	$7,284.00 (-7.87%)	$649,400 (+48.91%) Land $34,900 Building $614,500	$649,400 (+48.91%) Land $34,900 Building $614,500
2024		$436,100 (+0.9%) Land $38,600 Building $397,500	$436,100 (+0.9%) Land $38,600 Building $397,500
2023	$7,906.00
2022		$432,200 Land $38,300 Building $393,900	$432,200 Land $38,300 Building $393,900

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

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 Claims	3 (1979–1982)
Most Recent Claim	May 1982 · 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

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 451 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
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, CTC.

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