2432 Harvey St, Duluth, MN 55811 Property Records

St. Louis County property record for 2432 Harvey St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 820 sqft · built 1951
Lot Size	0.459 acres (20,001 sqft)
Owner	Individual Name on File
Tax Bill	$3,258 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2050-00790`

Property Details

APN / Parcel Number

Primary APN	`010-2050-00790`
Alternative APN	`766069`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	820 sqft Gross Area
1st Floor Area	820 sqft
Basement Area	660 sqft
Finished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	20,001 sqft (0.459 acres)
Garage Area	768 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	176 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	766069
Street Address	2432 HARVEY ST
City	DULUTH
State	MN
Zip	55811-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 AND 7 SERIAL #
Legal Subdivision	HARBOR VIEW DIVISION OF DULUTH
Legal Block	6
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1009
Census Tract	2300

Owner

2432 Harvey St is owned and occupied by an individual who acquired it in July 2004.

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

Owner of Record	Individual Name on File
Mailing Address	2432 HARVEY ST, DULUTH, MN 55811-3223
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

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Dec 15, 2017	Deed of Trust, Mortgage · Line of Credit HARBOR PT CU
Dec 15, 2017	Deed of Trust, Mortgage · Line of Credit HARBOR PT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 26, 2004
Transfer Doc	0000782644
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2432 HARVEY ST, DULUTH, MN 55811-3223
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2432 HARVEY ST, DULUTH, MN 55811-3223

Mortgage

Document Number	0001051425
Date	Dec 28, 2021
Instrument	1051425

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 25, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2432 HARVEY ST, DULUTH, MN 55811-3223
Document Number	000T993416
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2432 HARVEY ST DULUTH MN 558113223, DULUTH, MN 55811-3223

Mortgage

Document Number	000T993416
Date	Dec 21, 2017
Instrument	T993416

Lender

Name	HARBOR PT CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 20, 2032

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2432 HARVEY ST, DULUTH, MN 55811-3223
Document Number	000T993415
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2432 HARVEY ST DULUTH MN 558113223, DULUTH, MN 55811-3223

Mortgage

Document Number	000T993415
Date	Dec 21, 2017
Instrument	T993415

Lender

Name	HARBOR PT CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 20, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2432 Harvey St was $3,258 with a homeowner's exemption, up 7.8% 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	$3,258.00 (+7.81%) Homeowner's exemption
2025	$3,022.00 (+0.73%) Homeowner's exemption	$259,700 (+7.45%) Land $42,000 Building $217,700	$259,700 (+7.45%) Land $42,000 Building $217,700
2024	$3,000.00	$241,700 Land $52,200 Building $189,500	$241,700 Land $52,200 Building $189,500
2022		$223,700 Land $59,500 Building $164,200	$223,700 Land $59,500 Building $164,200

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

Flood

FEMA maps place 2432 Harvey St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2432 Harvey St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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