2406 Water St, Duluth, MN 55812 Property Records

St. Louis County property record for 2406 Water St, Duluth, MN 55812

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,144 sqft · built 2005
Lot Size	0.096 acres (4,183 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Oct 2013)
Tax Bill	$17,654 (2026)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2808-00030`

Property Details

APN / Parcel Number

Primary APN	`010-2808-00030`
Alternative APNs	`959130` `959128`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,144 sqft Gross Area
1st Floor Area	2,144 sqft
Basement Area	929 sqft
Finished Basement	929 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Frame
Lot Area	4,183 sqft (0.096 acres)
Garage Area	802 sqft

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	959128
Street Address	2406 WATER ST
City	DULUTH
State	MN
Zip	55812-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 12 & AN UNDIVIDED INTEREST IN THE COMMONELEMENTS SERIAL #
Legal Subdivision	CIC 78 LEDGES ON LAKE SUPERIO
Legal Unit	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1036
Census Tract	1100

Owner

2406 Water St is owned and occupied by an individual who bought it in October 2013.

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

Owner of Record	Individual Name on File
Mailing Address	2406 WATER ST, DULUTH, MN 55812-2219
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2013 · Amount on File
Deed Sale	Oct 24, 2013 · Amount on File
Prior Sale	Oct 24, 2008 · Amount on File
Deed Document Number	2013937766
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2300 WATER ST, DULUTH, MN 55812
Document Number	00T1025886
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2406 WATER ST DULUTH MN 558122219, DULUTH, MN 55812-2219

Mortgage

Document Number	00T1025886
Date	Jul 15, 2020
Instrument	T1025886

Lender

Name	SECURITY ST BK
Type	Bank
Address	IRON RIVER, WI 54847

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 14, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 2406 Water St was $17,654, up 6.7% 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	$17,654.00 (+6.68%)
2025	$16,548.00 (+8.5%)	$1,115,700 (+3.26%) Land $179,800 Building $935,900	$1,115,700 (+3.26%) Land $179,800 Building $935,900
2024	$15,252.00	$1,080,500 Land $209,700 Building $870,800	$1,080,500 Land $209,700 Building $870,800
2022		$975,100 Land $209,700 Building $765,400	$975,100 Land $209,700 Building $765,400

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

Flood

FEMA maps place 2406 Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	May 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

The area around 2406 Water 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile, Verizon.

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