2512 Providence Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2512 Providence Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,578 sqft · built 1990
Lot Size	0.29 acres (12,667 sqft)
Owner	Individual Name on File
Last Sale	$323,000 (Nov 2022)
Tax Bill	$4,874 (2026)
Deeds & Mortgages	Sep 2026 Transfer Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-0405-00170`

Property Details

APN / Parcel Number

Primary APN	`010-0405-00170`
Alternative APNs	`1139478` `553266`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,578 sqft Gross Area
1st Floor Area	1,578 sqft
Basement Area	840 sqft
Finished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	12,667 sqft (0.29 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	28 sqft
Deck Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1139478
Street Address	2512 PROVIDENCE RD
City	DULUTH
State	MN
Zip	55811-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:002 SERIAL #
Legal Subdivision	CENTRAL BAPTIST DIV DULUTH
Legal Block	2
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4001
Census Tract	2300

Owner

2512 Providence Rd is owned and occupied by an individual who acquired it in September 2026.

Source: St. Louis County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900
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
Sep 29, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 1, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU
Feb 8, 2018	Deed of Trust, Mortgage · Line of Credit CENTRICITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on File
Deed Sale	Nov 1, 2022 · Amount on File
Prior Sale	Jan 6, 2021 · Amount on File
Deed Document Number	20221062999
Last Transfer Date	Sep 11, 2026
Transfer Doc	0001106479
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 29, 2026
Property Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	0001106479
Instrument Date	Sep 11, 2026
Instrument	20261106479
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 1, 2022
Property Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	0001062999
Instrument Date	Oct 17, 2022
Instrument	1062999
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900

Mortgage

Document Number	0001063000
Date	Nov 1, 2022
Instrument	1063000

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900

Mortgage

Document Number	0001055935
Date	Apr 26, 2022
Instrument	1055935

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2512 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	000T995286
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2512 PROVIDENCE RD DULUTH MN 558112900, DULUTH, MN 55811-2900

Mortgage

Document Number	000T995286
Date	Feb 20, 2018
Instrument	T995286

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 19, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2512 Providence Rd was $4,874 with a homeowner's exemption, up 11.5% 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	$4,874.00 (+11.48%) Homeowner's exemption
2025	$4,372.00 (-11.07%) Homeowner's exemption	$440,500 (+32.2%) Land $31,900 Building $408,600	$440,500 (+32.2%) Land $31,900 Building $408,600
2024	$4,916.00	$333,200 Land $41,100 Building $292,100	$333,200 Land $41,100 Building $292,100
2022		$301,500 Land $39,500 Building $262,000	$301,500 Land $39,500 Building $262,000

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

Flood

FEMA maps place 2512 Providence Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 2512 Providence Rd 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 97% of the US · lower than 89% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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