2445 Morris Thomas Rd, Duluth, MN 55811 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 840 sqft · built 1923
Lot Size	0.458 acres (19,975 sqft)
Owner	Individual Name on Record
Last Sale	$242,500 (Apr 2026)
Tax Bill	$2,568 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2050-01060`

Property Details

APN / Parcel Number

Primary APN	`010-2050-01060`
Alternative APNs	`1071985` `1196316`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	840 sqft Gross Area
1st Floor Area	480 sqft
Basement Area	99 sqft
Finished Basement	99 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Lot Area	19,975 sqft (0.458 acres)
Garage Area	988 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	100 sqft
Deck Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1196316
Street Address	2445 MORRIS THOMAS RD
City	DULUTH
State	MN
Zip	55811-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 33 AND 34 SERIAL #
Legal Subdivision	HARBOR VIEW DIV OF DULUTH
Legal Block	6
Legal Lot Number	33-34
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1009
Census Tract	2300

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	2445 MORRIS THOMAS RD, DULUTH, MN 55811-3230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage THE TURNKEY FOUNDATION INC
Jun 12, 2019	Grant Deed, Transfer NORTHVIEW BK
Sep 25, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Jun 12, 2019 · Amount on Record
Deed Document Number	20261100587
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 16, 2026
Property Address	2445 MORRIS THOMAS RD, DULUTH, MN 55811-3230
Document Number	0001100587
Instrument Date	Apr 2, 2026
Instrument	2026.1100587
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80,825.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 MORRIS THOMAS RD, DULUTH, MN 55811-3230

Mortgage

Document Number	0001100588,
Date	Apr 16, 2026
Instrument	2026.1100588

Lender

Name	THE TURNKEY FOUNDATION INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 12, 2019
Property Address	2445 MORRIS THOMAS RD, DULUTH, MN 55811-3230
Document Number	00T1011381
Instrument Date	Jun 5, 2019
Instrument	T1011381
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	STEWART TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2445 MORRIS THOMAS RD DULUTH MN 558113230, DULUTH, MN 55811-3230

Mortgage

Document Number	T1011382
Date	Jun 12, 2019
Instrument	T1011382

Lender

Name	NORTHVIEW BK
Type	Bank
Address	FINLAYSON, MN 55735

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2049

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 25, 2018
Property Address	2445 MORRIS THOMAS RD, DULUTH, MN 55811-3230
Document Number	00A1003104
Instrument Date	Sep 25, 2018
Instrument	A1003104
Transaction Type	Foreclosure
Record Updated	Oct 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$257.40
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 WABASHA ST N #400 ST PAUL MN 551021147, 400, ST PAUL, MN 55102-1147

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	$2,568.00 (+7.18%) Homeowner's exemption
2025	$2,396.00 Homeowner's exemption	$227,200 (+21.63%) Land $42,000 Building $185,200	$227,200 (+21.63%) Land $42,000 Building $185,200
2024	$2,396.00	$186,800 (+6.14%) Land $52,000 Building $134,800	$186,800 (+6.14%) Land $52,000 Building $134,800
2022		$176,000 Land $59,300 Building $116,700	$176,000 Land $59,300 Building $116,700

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

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

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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