2402 Smith River Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 2402 Smith River Rd, Duluth, MN 55804

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,800 sqft · built 2000
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Tax Bill	$4,508 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Dec 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`485-0010-06130`

Property Details

APN / Parcel Number

Primary APN	`485-0010-06130`
Alternative APN	`900386`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,800 sqft Gross Area
1st Floor Area	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	1,600 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	72 sqft
Patio Area	104 sqft
Storage Building	72 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	900386
Street Address	2402 SMITH RIVER RD
City	DULUTH
State	MN
Zip	55804-9623
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	FAM
Legal Description	NE1/4 OF NW1/4 EX E1/2 OF W1/2 & EX W1/2 OFE1/2 & EX W1/2 OF W1/2 SERIAL #
Legal Range	13W
Legal Township	52N
Legal Section	36
Legal Subdivision	NORMANNA TOWN OF 52-13
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORMANNA
Census Block Group	1
Census Block	1101
Census Tract	10601

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	2402 SMITH RIVER RD, DULUTH, MN 55804-9623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Dec 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Jun 15, 2020	Deed of Trust, Mortgage COMPEER FIN'L FLCA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 12, 2010
Transfer Doc	0001143048
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2402 SMITH RIVER RD, DULUTH, MN 55804-9623
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 SMITH RIVER RD, DULUTH, MN 55804-9623

Mortgage

Document Number	0001519561
Date	Oct 3, 2025
Instrument	1519561

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 20, 2040

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2402 SMITH RIVER RD, DULUTH, MN 55804-9623
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001479714
Date	Dec 14, 2023
Instrument	1479714

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 20, 2033

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2402 SMITH RIVER RD, DULUTH, MN 55804-9623
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001419757
Date	Jul 21, 2021
Instrument	1419757

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2402 SMITH RIVER RD, DULUTH, MN 55804-9623
Document Number	00A1383309
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2402 SMITH RIVER RD DULUTH MN 558049623, DULUTH, MN 55804-9623

Mortgage

Document Number	00A1383309
Date	Jun 23, 2020
Instrument	A1383309

Lender

Name	COMPEER FIN'L FLCA
Address	SUN PRAIRIE, WI 53590

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Normanna Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,508.00 (+9.9%) Homeowner's exemption
2025	$4,102.00 (-2.57%) Homeowner's exemption	$442,700 (+13.22%) Land $85,000 Building $357,700	$442,700 (+13.22%) Land $85,000 Building $357,700
2024	$4,210.00	$391,000 (+2.09%) Land $75,000 Building $316,000	$391,000 (+2.09%) Land $75,000 Building $316,000
2022		$383,000 Land $72,100 Building $310,900	$383,000 Land $72,100 Building $310,900

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 Policies	6 in force

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

May also be available: Mediacom Xtream.

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