2409 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2409 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 1,880 sqft · built 1907
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Jan 2026)
Tax Bill	$2,924 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-01610`

Property Details

APN / Parcel Number

Primary APN	`010-1180-01610`
Alternative APNs	`1099012` `1142191` `1193473`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,880 sqft Gross Area
1st Floor Area	940 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,500 sqft (0.08 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	160 sqft
Deck Area	35 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1193473
Street Address	2409 W 3RD ST
City	DULUTH
State	MN
Zip	55806-1937
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	E 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	113
Legal Lot Number	389
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3013
Census Tract	15600

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	2409 W 3RD ST, DULUTH, MN 55806-1937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PARK STATE BANK & TRUST
Dec 12, 2018	Loan Modification, Mortgage · Conventional Mortgage FLAGSHIP BK/MN
Jun 1, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 15, 2017	Warranty Deed, Transfer · Line of Credit FLAGSHIP BK/MN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Prior Sale	Dec 15, 2017 · Amount on Record
Deed Document Number	20261525650
Prior Transfer Date	Feb 14, 2018
Prior Transfer Doc	00A1333842
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 6, 2026
Property Address	2409 W 3RD ST, DULUTH, MN 55806-1937
Document Number	0001525650
Instrument Date	Dec 22, 2025
Instrument	1525650
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 W 3RD ST, DULUTH, MN 55806-1937

Mortgage

Document Number	0001525651
Date	Jan 6, 2026
Instrument	1525651

Lender

Name	PARK STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	2409 W 3RD ST, DULUTH, MN 55806-1937
Document Number	0001347265
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4517 WOODDALE AVE EDINA MN 554241138, EDINA, MN 55424-1138

Mortgage

Document Number	0001347265
Date	Dec 27, 2018
Instrument	1347265

Lender

Name	FLAGSHIP BK/MN
Type	Bank
Address	MINNETONKA, MN 55391

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 26, 2038

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 1, 2018
Property Address	2409 W 3RD ST, DULUTH, MN 55806-1937
Document Number	00A1333842
Instrument Date	Feb 14, 2018
Instrument	A1333842
Transaction Type	Transfer
Record Updated	Jun 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4517 WOODDALE AVE EDINA MN 554241138, EDINA, MN 55424-1138

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 15, 2017
Property Address	2409 W 3RD ST, DULUTH, MN 55806-1937
Document Number	00A1324284
Instrument Date	Nov 30, 2017
Instrument	A1324284
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4517 WOODDALE AVE EDINA MN 554241138, EDINA, MN 55424-1138
Investor	Possibly a Property Investor

Mortgage

Document Number	A1324285
Date	Dec 15, 2017
Instrument	A1324285

Lender

Name	FLAGSHIP BK/MN
Type	Bank
Address	MINNETONKA, MN 55391

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 14, 2037

Interest

Rate Type	Adjustable Rate

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	$2,924.00 (+12.72%)
2025	$2,594.00 (+7.01%)	$177,800 (+15.83%) Land $13,200 Building $164,600	$177,800 (+15.83%) Land $13,200 Building $164,600
2024	$2,424.00 (+2.89%)	$153,500 (+20.49%) Land $15,900 Building $137,600	$153,500 (+20.49%) Land $15,900 Building $137,600
2023	$2,356.00
2022		$127,400 (+4.43%) Land $14,000 Building $113,400	$127,400 (+4.43%) Land $14,000 Building $113,400
2021		$122,000 Land $5,400 Building $116,600	$122,000 Land $5,400 Building $116,600

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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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