2523 Providence Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2523 Providence Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,592 sqft · built 1990
Lot Size	0.329 acres (14,344 sqft)
Owner	Individual Name on File
Last Sale	$427,500 (Apr 2025)
Tax Bill	$4,912 (2026)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-0405-00230`

Property Details

APN / Parcel Number

Primary APN	`010-0405-00230`
Alternative APNs	`1181572` `803585`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,592 sqft Gross Area
1st Floor Area	1,592 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Block
Construction Type	Frame
Roof Type	Gable
Lot Area	14,344 sqft (0.329 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	72 sqft
Deck Area	81 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1181572
Street Address	2523 PROVIDENCE RD
City	DULUTH
State	MN
Zip	55811-2947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0006 BLOCK:003 SERIAL #
Legal Subdivision	CENTRAL BAPTIST DIVISION
Legal Block	3
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4000
Census Tract	2300

Owner

2523 Providence Rd is owned and occupied by an individual who bought it in April 2025.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2523 PROVIDENCE RD, DULUTH, MN 55811-2947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2025 · Amount on File
Deed Sale	Apr 21, 2025 · Amount on File
Deed Document Number	20251089370
Prior Transfer Date	Jan 14, 2006
Prior Transfer Doc	0000818757
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2523 PROVIDENCE RD, DULUTH, MN 55811-2947
Document Number	00T1013130
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2523 PROVIDENCE RD DULUTH MN 558112947, DULUTH, MN 55811-2947

Mortgage

Document Number	00T1013130
Date	Aug 2, 2019
Instrument	T1013130

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2523 Providence Rd was $4,912 with a homeowner's exemption, up 10.5% 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	$4,912.00 (+10.48%) Homeowner's exemption
2025	$4,446.00 (-11.08%) Homeowner's exemption	$429,800 (+27.08%) Land $34,200 Building $395,600	$429,800 (+27.08%) Land $34,200 Building $395,600
2024	$5,000.00	$338,200 Land $44,100 Building $294,100	$338,200 Land $44,100 Building $294,100
2022		$307,200 Land $42,500 Building $264,700	$307,200 Land $42,500 Building $264,700

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

Flood

FEMA maps place 2523 Providence Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 2523 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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

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