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

St. Louis County property record for 231 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,535 sqft · built 1889
Lot Size	0.102 acres (4,476 sqft)
Owner	Individual Name on Record
Last Sale	$106,781 (Oct 2017)
Tax Bill	$3,228 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0980-00300`

Property Details

APN / Parcel Number

Primary APN	`010-0980-00300`
Alternative APN	`1040105`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,535 sqft Gross Area
1st Floor Area	1,326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	4,476 sqft (0.102 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	174 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1040105
Street Address	231 W 3RD ST
City	DULUTH
State	MN
Zip	55806-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 90 FT SERIAL #
Legal Subdivision	DULUTH PROPER 1ST DIVISION
Legal Lot Number	47
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	231 W 3RD ST, DULUTH, MN 55806-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 20, 2017	Warranty Deed, Transfer · FHA Mortgage HANCOCK MTG PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2017 · Amount on Record
Deed Sale	Oct 20, 2017 · Amount on Record
Prior Sale	Jul 27, 2015 · Amount on Record
Deed Document Number	20171320425
Prior Transfer Date	Jun 17, 2003
Prior Transfer Doc	0000904687
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	231 W 3RD ST, DULUTH, MN 55806-2711
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403300
Date	Feb 8, 2021
Instrument	1403300

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 20, 2017
Property Address	231 W 3RD ST, DULUTH, MN 55806-2711
Document Number	00A1320425
Instrument Date	Oct 13, 2017
Instrument	A1320425
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 W 3RD ST DULUTH MN 558062711, DULUTH, MN 55806-2711

Mortgage

Document Number	A1320426
Date	Oct 20, 2017
Instrument	A1320426

Lender

Name	HANCOCK MTG PTRS
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2047

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	$3,228.00 (+5.63%)
2025	$3,056.00 (+11.21%)	$251,400 (+13.29%) Land $17,800 Building $233,600	$251,400 (+13.29%) Land $17,800 Building $233,600
2024	$2,748.00	$221,900 (+24.87%) Land $16,200 Building $205,700	$221,900 (+24.87%) Land $16,200 Building $205,700
2022		$177,700 Land $17,900 Building $159,800	$177,700 Land $17,900 Building $159,800

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 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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