2325 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2325 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 2,148 sqft · built 1906
Lot Size	0.12 acres (5,250 sqft)
Owner	Individual Name on File
Last Sale	$72,100 (May 2014)
Tax Bill	$3,340 (2026)
Deeds & Mortgages	Jul 2026 Construction Loan Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1180-01360`

Property Details

APN / Parcel Number

Primary APN	`010-1180-01360`
Alternative APNs	`1085155` `1177762`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,148 sqft Gross Area
1st Floor Area	1,214 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	5,250 sqft (0.12 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	206 sqft
Deck Area	112 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1177762
Street Address	2325 W 3RD ST
City	DULUTH
State	MN
Zip	55806-1935
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	E 37 1/2 FT SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIV
Legal Block	112
Legal Lot Number	381
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	15600

Owner

2325 W 3rd St, a residential property, is owned by an individual who bought it in May 2014.

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

Owner of Record	Individual Name on File
Mailing Address	5833 BANKS AVE, SUPERIOR, WI 54880-5749
Owner Type	Individual

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
Jul 6, 2026	Deed of Trust, Mortgage · Construction Mortgage CITIZENS STATE BANK
Jan 5, 2021	Deed of Trust, Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2014 · Amount on File
Deed Sale	May 29, 2014 · Amount on File
Deed Document Number	20141238510
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 6, 2026
Property Address	2325 W 3RD ST, DULUTH, MN 55806-1935
Document Number	0001535662
Instrument Date	Jun 29, 2026
Instrument	20261535662
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 W 3RD ST, DULUTH, MN 55806-1935

Mortgage

Document Number	0001535662,
Date	Jul 6, 2026
Instrument	20261535662

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 26, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2325 W 3RD ST, DULUTH, MN 55806-1935
Document Number	00A1401082
Instrument Date	Jan 5, 2021
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 W 3RD ST DULUTH MN 558061935, DULUTH, MN 55806-1935

Mortgage

Document Number	00A1401082
Date	Jan 14, 2021
Instrument	A1401082

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2325 W 3rd St was $3,340, up 11.7% 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	$3,340.00 (+11.71%)
2025	$2,990.00 (+6.71%)	$203,200 (+14.67%) Land $19,800 Building $183,400	$203,200 (+14.67%) Land $19,800 Building $183,400
2024	$2,802.00	$177,200 Land $23,800 Building $153,400	$177,200 Land $23,800 Building $153,400
2022		$147,300 Land $21,000 Building $126,300	$147,300 Land $21,000 Building $126,300

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

Flood

FEMA maps place 2325 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 2325 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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