2525 Chambersburg Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 2525 Chambersburg Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,302 sqft · built 1956
Lot Size	0.139 acres (6,071 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Aug 2016)
Tax Bill	$3,126 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2060-00706`

Property Details

APN / Parcel Number

Primary APN	`010-2060-00706`
Alternative APN	`1014241`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,302 sqft Gross Area
1st Floor Area	868 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,071 sqft (0.139 acres)
Garage Area	264 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1014241
Street Address	2525 CHAMBERSBURG AVE
City	DULUTH
State	MN
Zip	55811-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 70 FT OF S 100 FT SERIAL #
Legal Subdivision	HARBOR VIEW FIRST ADD DULUTH
Legal Block	15
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3009
Census Tract	2300

Owner

2525 Chambersburg Ave is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	2525 CHAMBERSBURG AVE, DULUTH, MN 55811-3212
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
Oct 7, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2016 · Amount on File
Deed Sale	Aug 12, 2016 · Amount on File
Prior Sale	Aug 16, 2011 · Amount on File
Deed Document Number	2016974613
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2026
Property Address	2525 CHAMBERSBURG AVE, DULUTH, MN 55811-3212
Document Number	0001106784
Instrument Date	Sep 18, 2026
Instrument	20261106784
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 CHAMBERSBURG AVE, DULUTH, MN 55811-3212

Mortgage

Document Number	0001106784,
Date	Oct 7, 2026
Instrument	20261106784

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 18, 2031

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2525 CHAMBERSBURG AVE, DULUTH, MN 55811-3212
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001045891
Date	Aug 27, 2021
Instrument	1045891

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2525 Chambersburg Ave was $3,126 with a homeowner's exemption, up 8.5% 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	$3,126.00 (+8.54%) Homeowner's exemption
2025	$2,880.00 (+4.2%) Homeowner's exemption	$256,400 (+10.47%) Land $20,900 Building $235,500	$256,400 (+10.47%) Land $20,900 Building $235,500
2024	$2,764.00	$232,100 Land $26,000 Building $206,100	$232,100 Land $26,000 Building $206,100
2022		$207,900 Land $29,600 Building $178,300	$207,900 Land $29,600 Building $178,300

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

Flood

FEMA maps place 2525 Chambersburg Ave 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

Wildfire risk around 2525 Chambersburg Ave 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 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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