2445 Hutchinson Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2445 Hutchinson Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,064 sqft · built 1960
Lot Size	0.202 acres (8,836 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Sep 2024)
Tax Bill	$3,642 (2026)
Deeds & Mortgages	Oct 2021 Sale & Second Mortgage Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`010-0262-00050`

Property Details

APN / Parcel Number

Primary APN	`010-0262-00050`
Alternative APNs	`1118933` `1171665`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,064 sqft Gross Area
1st Floor Area	1,064 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	8,836 sqft (0.202 acres)
Garage Area	286 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	107 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1171665
Street Address	2445 HUTCHINSON RD
City	DULUTH
State	MN
Zip	55811-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0005 BLOCK:000 SERIAL #
Legal Subdivision	BEVERLY HILL ADD 1ST DIV DULUT
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2004
Census Tract	2300

Owner

Source: St. Louis County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2445 HUTCHINSON RD, DULUTH, MN 55811-3215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Warranty Deed, Transfer · Stand-Alone Second Mortgage NORTHRIDGE COMMUNITY CU
Oct 13, 2021	Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Oct 13, 2021 · Amount on Record
Deed Document Number	20241083141
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2021
Property Address	2445 HUTCHINSON RD, DULUTH, MN 55811-3215
Document Number	0001048173
Instrument Date	Oct 6, 2021
Instrument	1048173
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2445 HUTCHINSON RD, DULUTH, MN 55811-3215

Mortgage

Document Number	0001048174
Date	Oct 13, 2021
Instrument	1048174

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2021
Property Address	2445 HUTCHINSON RD, DULUTH, MN 55811-3215
Document Number	0001048172
Instrument Date	Oct 6, 2021
Instrument	1048172
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$3,642.00 (+11.51%) Homeowner's exemption
2025	$3,266.00 (+3.95%) Homeowner's exemption	$305,800 (+18.44%) Land $26,600 Building $279,200	$305,800 (+18.44%) Land $26,600 Building $279,200
2024	$3,142.00	$258,200 (+8.95%) Land $33,100 Building $225,100	$258,200 (+8.95%) Land $33,100 Building $225,100
2022		$237,000 Land $37,700 Building $199,300	$237,000 Land $37,700 Building $199,300

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	2 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 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Airfiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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