2524 Providence Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2524 Providence Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,664 sqft · built 1990
Lot Size	0.323 acres (14,071 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jan 2025)
Tax Bill	$5,432 (2026)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0405-00130`

Property Details

APN / Parcel Number

Primary APN	`010-0405-00130`
Alternative APNs	`1071243` `1178280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,664 sqft Gross Area
1st Floor Area	832 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Block
Construction Type	Frame
Roof Type	Gable
Lot Area	14,071 sqft (0.323 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	48 sqft
Deck Area	144 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1178280
Street Address	2524 PROVIDENCE RD
City	DULUTH
State	MN
Zip	55811-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:002 SERIAL #
Legal Subdivision	CENTRAL BAPTIST DIV DULUTH
Legal Block	2
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4001
Census Tract	2300

Owner

2524 Providence Rd is owned and occupied by an individual who bought it in January 2025.

Source: St. Louis County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	2524 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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2025 · Amount on File
Deed Sale	Jan 22, 2025 · Amount on File
Prior Sale	May 30, 2019 · Amount on File
Deed Document Number	20251086964
Prior Transfer Date	Nov 23, 2021
Prior Transfer Doc	0001431006
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 30, 2019
Property Address	2524 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	00T1010920
Instrument Date	May 17, 2019
Instrument	T1010920
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,052.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2524 PROVIDENCE RD DULUTH MN 558112900, DULUTH, MN 55811-2900

Mortgage

Document Number	T1010921
Date	May 30, 2019
Instrument	T1010921

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	May 29, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 2524 Providence Rd was $5,432 with a homeowner's exemption, up 10.3% 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	$5,432.00 (+10.27%) Homeowner's exemption
2025	$4,926.00 (-10.76%) Homeowner's exemption	$449,500 (+21.22%) Land $33,800 Building $415,700	$449,500 (+21.22%) Land $33,800 Building $415,700
2024	$5,520.00	$370,800 Land $43,600 Building $327,200	$370,800 Land $43,600 Building $327,200
2022		$336,600 Land $42,000 Building $294,600	$336,600 Land $42,000 Building $294,600

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

Flood

FEMA maps place 2524 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 2524 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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