2324 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2324 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 936 sqft · built 1886
Lot Size	0.08 acres (3,504 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Jul 2005)
Tax Bill	$1,666 (2026)
Deeds & Mortgages	Sep 2025 Transfer Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1140-04920`

Property Details

APN / Parcel Number

Primary APN	`010-1140-04920`
Alternative APNs	`1014269` `1187379` `786563`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	936 sqft Gross Area
1st Floor Area	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,504 sqft (0.08 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	48 sqft
Deck Area	60 sqft
Storage Building	70 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1187379
Street Address	2324 W 3RD ST
City	DULUTH
State	MN
Zip	55806-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	88
Legal Lot Number	380
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3015
Census Tract	15600

Owner

2324 W 3rd St is owned and occupied by an individual who acquired it in September 2025.

Source: St. Louis County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	2324 W 3RD ST, DULUTH, MN 55806-1936
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Intrafamily Transfer, Transfer
Dec 9, 2022	Deed of Trust, Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2005 · Amount on File
Deed Sale	Jul 27, 2005 · Amount on File
Deed Document Number	2005988742
Last Transfer Date	Sep 3, 2025
Transfer Doc	0001517341
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Sep 3, 2025
Property Address	2324 W 3RD ST, DULUTH, MN 55806-1936
Document Number	0001517341
Instrument Date	Sep 3, 2025
Instrument	1517341
Transaction Type	Transfer
Record Updated	Sep 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2324 W 3RD ST, DULUTH, MN 55806-1936

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2324 W 3RD ST, DULUTH, MN 55806-1936
Transaction Type	Mortgage
Record Updated	Jan 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001458291
Date	Dec 9, 2022
Instrument	1458291

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2324 W 3RD ST, DULUTH, MN 55806-1936
Document Number	00A1362869
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	TITLE SMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2324 W 3RD ST DULUTH MN 558061936, DULUTH, MN 55806-1936

Mortgage

Document Number	00A1362869
Date	Sep 9, 2019
Instrument	A1362869

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 8, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 2324 W 3rd St was $1,666 with a homeowner's exemption, up 15.5% from the year before.

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	$1,666.00 (+15.53%) Homeowner's exemption
2025	$1,442.00 (+1.69%) Homeowner's exemption	$155,000 (+15.24%) Land $13,200 Building $141,800	$155,000 (+15.24%) Land $13,200 Building $141,800
2024	$1,418.00	$134,500 Land $15,900 Building $118,600	$134,500 Land $15,900 Building $118,600
2022		$111,700 Land $14,000 Building $97,700	$111,700 Land $14,000 Building $97,700

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

Flood

FEMA maps place 2324 W 3rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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

The area around 2324 W 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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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