2502 W 2nd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2502 W 2nd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 2 ba · 2,496 sqft · built 1920
Lot Size	0.047 acres (2,053 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Apr 2026)
Tax Bill	$4,060 (2026)
Deeds & Mortgages	Jun 2021 Second Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-1140-02070`

Property Details

APN / Parcel Number

Primary APN	`010-1140-02070`
Alternative APNs	`1119133` `1168806` `1196536`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,496 sqft Gross Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Lot Area	2,053 sqft (0.047 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	84 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1196536
Street Address	2502 W 2ND ST
City	DULUTH
State	MN
Zip	55806-1844
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	NORTHERLY 41 FEET OF LOT 402, BLOCK 78 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	78
Legal Lot Number	402
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2015
Census Tract	15600

Owner

2502 W 2nd St, a residential property, is owned by an individual who bought it in April 2026.

Source: St. Louis County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2502 W 2ND ST, 2, DULUTH, MN 55806-1844
Owner Type	Individual
Vesting	Single

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
Jun 18, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Jul 23, 2024	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Oct 19, 2023	Warranty Deed, Transfer
May 1, 2018	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Jul 23, 2024 · Amount on File
Deed Document Number	20261531606
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2502 W 2ND ST, DULUTH, MN 55806-1844
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001416966
Date	Jun 18, 2021
Instrument	1416966

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 29, 2026
Property Address	2502 W 2ND ST, DULUTH, MN 55806-1844
Document Number	0001531606
Instrument Date	Apr 20, 2026
Instrument	2026.1531606
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	ARROWHEAD ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,991.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001531607,
Date	Apr 29, 2026
Instrument	2026.1531607

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

Mortgage

Document Number	0001531608,
Date	Apr 29, 2026
Instrument	2026.1531608

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 23, 2024
Property Address	2502 W 2ND ST, DULUTH, MN 55806-1844
Document Number	0001492005
Instrument Date	Jul 16, 2024
Instrument	1492005
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 W 2ND ST, DULUTH, MN 55806-2208

Mortgage

Document Number	0001492006
Date	Jul 23, 2024
Instrument	1492006

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 5, 2029

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 19, 2023
Property Address	2502 W 2ND ST, DULUTH, MN 55806-1844
Document Number	0001476367
Instrument Date	Oct 12, 2023
Instrument	1476367
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Tax	$228.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2311 W 11TH ST, DULUTH, MN 55806-1203

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2502 W 2ND ST, DULUTH, MN 55806-1844
Document Number	00A1332062
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	May 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10995 LOST LAKE DR #106 NAPLES FL 34105, 106, NAPLES, FL 34105

Mortgage

Document Number	00A1332062
Date	May 2, 2018
Instrument	A1332062

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816-0450

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	May 1, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 2502 W 2nd St was $4,060, up 18.6% 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	$4,060.00 (+18.57%)
2025	$3,424.00	$247,900 (+21.94%) Land $7,700 Building $240,200	$247,900 (+21.94%) Land $7,700 Building $240,200
2024		$203,300 Land $9,300 Building $194,000	$203,300 Land $9,300 Building $194,000
2023	$3,098.00
2022		$168,000 Land $8,200 Building $159,800	$168,000 Land $8,200 Building $159,800

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

Flood

FEMA maps place 2502 W 2nd 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

The area around 2502 W 2nd 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 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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