2232 Leonard St, Duluth, MN 55811 Property Records

St. Louis County property record for 2232 Leonard St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,296 sqft · built 1959
Lot Size	0.341 acres (14,890 sqft)
Owner	Individual Name on Record
Last Sale	$296,000 (Sep 2023)
Tax Bill	$3,740 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-4550-00090`

Property Details

APN / Parcel Number

Primary APN	`010-4550-00090`
Alternative APNs	`1107678` `1155134`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,296 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	14,890 sqft (0.341 acres)
Garage Area	600 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	25 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1155134
Street Address	2232 LEONARD ST
City	DULUTH
State	MN
Zip	55811-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8 AND 9 SERIAL #
Legal Subdivision	WEST END CENTRAL DIVISION OF DULUTH
Legal Block	1
Legal Lot Number	8-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4010
Census Tract	2300

Owner

Source: St. Louis County records, as of September 11, 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	2232 LEONARD ST, DULUTH, MN 55811-3019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage SERVION INC
Sep 25, 2023	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Aug 22, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2023 · Amount on Record
Deed Sale	Sep 25, 2023 · Amount on Record
Prior Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	20231072707
Prior Transfer Date	Jun 27, 2016
Prior Transfer Doc	000T974259
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Aug 31, 2026
Property Address	2232 LEONARD ST, DULUTH, MN 55811-3019
Document Number	0001105431
Instrument Date	Aug 19, 2026
Instrument	20261105431
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2232 LEONARD ST, DULUTH, MN 55811-3019

Mortgage

Document Number	0001105431,
Date	Aug 31, 2026
Instrument	20261105431

Lender

Name	SERVION INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 25, 2023
Property Address	2232 LEONARD ST, DULUTH, MN 55811-3019
Document Number	0001072707
Instrument Date	Sep 19, 2023
Instrument	1072707
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$976.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2232 LEONARD ST, DULUTH, MN 55811-3019

Mortgage

Document Number	0001072708
Date	Sep 25, 2023
Instrument	1072708

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 20, 2021
Property Address	2232 LEONARD ST, DULUTH, MN 55811-3019
Document Number	0001039507
Instrument Date	Apr 15, 2021
Instrument	1039507
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2232 LEONARD ST, DULUTH, MN 55811-3019

Mortgage

Document Number	0001039508
Date	Apr 20, 2021
Instrument	1039508

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 22, 2018
Property Address	2232 LEONARD ST, DULUTH, MN 55811-3019
Document Number	00A1001794
Instrument Date	Aug 17, 2018
Instrument	A1001794
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2232 LEONARD ST DULUTH MN 558113019, DULUTH, MN 55811-3019

Mortgage

Document Number	A1001795
Date	Aug 22, 2018
Instrument	A1001795

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, MN 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

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	$3,740.00 (+7.91%) Homeowner's exemption
2025	$3,466.00 (-1.59%) Homeowner's exemption	$320,500 (+17.96%) Land $34,900 Building $285,600	$320,500 (+17.96%) Land $34,900 Building $285,600
2024		$271,700 (+9.78%) Land $43,400 Building $228,300	$271,700 (+9.78%) Land $43,400 Building $228,300
2023	$3,522.00 Homeowner's exemption
2022		$247,500 Land $49,500 Building $198,000	$247,500 Land $49,500 Building $198,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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

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

May also be available: Airfiber.

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