2521 Morris Thomas Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2521 Morris Thomas Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,192 sqft · built 1958
Lot Size	0.344 acres (15,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Aug 2021)
Tax Bill	$4,222 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2060-00740`

Property Details

APN / Parcel Number

Primary APN	`010-2060-00740`
Alternative APN	`1115142`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,192 sqft Gross Area
1st Floor Area	1,192 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	15,001 sqft (0.344 acres)
Garage Area	330 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	16 sqft
Deck Area	45 sqft
Storage Building	130 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1115142
Street Address	2521 MORRIS THOMAS RD
City	DULUTH
State	MN
Zip	55811-3265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12, BLOCK 15 AND LOT 13, BLOCK 15,EXCEPT THE WESTERLY 70 FEET THEREOF. SERIAL #
Legal Subdivision	HARBOR VIEW FIRST ADDITION
Legal Block	15
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3009
Census Tract	2300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2521 MORRIS THOMAS RD, DULUTH, MN 55811-3265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	May 10, 2011 · Amount on Record
Deed Document Number	20211045310
Prior Transfer Date	Feb 26, 2001
Prior Transfer Doc	0000708100
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 16, 2021
Property Address	2521 MORRIS THOMAS RD, DULUTH, MN 55811-3265
Document Number	0001045310
Instrument Date	Jul 30, 2021
Instrument	1045310
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2521 MORRIS THOMAS RD, DULUTH, MN 55811-3265

Mortgage

Document Number	0001045311
Date	Aug 16, 2021
Instrument	1045311

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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	$4,222.00 (+7.98%) Homeowner's exemption
2025	$3,910.00 (+4.6%) Homeowner's exemption	$341,900 (+13.25%) Land $36,500 Building $305,400	$341,900 (+13.25%) Land $36,500 Building $305,400
2024	$3,738.00	$301,900 (+12.11%) Land $45,300 Building $256,600	$301,900 (+12.11%) Land $45,300 Building $256,600
2022		$269,300 Land $49,700 Building $219,600	$269,300 Land $49,700 Building $219,600

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 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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