St. Louis County property record for 2528 Jefferson St, Duluth, MN 55812
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,819 sqft · built 1913 |
| Lot Size | 0.179 acres (7,800 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,554 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2080-06490 |
| Primary APN | 010-2080-06490 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,819 sqft Gross Area |
| 1st Floor Area | 1,068 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,800 sqft (0.179 acres) |
| Garage Area | 528 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 170 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 46755 |
|---|---|
| Street Address | 2528 JEFFERSON ST |
| City | DULUTH |
| State | MN |
| Zip | 55812-2215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7, BLOCK 45 SERIAL # |
| Legal Subdivision | HARRISONS DIV OF DULUTH |
| Legal Block | 45 |
| Legal Lot Number | 7 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 1100 |
2528 Jefferson St is owned and occupied by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2528 JEFFERSON ST, DULUTH, MN 55812-2215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2528 JEFFERSON ST, DULUTH, MN 55812-2215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001438541 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 1438541 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2528 JEFFERSON ST, DULUTH, MN 55812-2215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2528 JEFFERSON ST, DULUTH, MN 55812-2215 |
| Document Number | 0001457392 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 1457392 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jan 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.99% |
| Max Rate At Change | 8.99% |
| Index | Prime Rate |
| Max Rate | 11.9% |
The 2026 property tax bill for 2528 Jefferson St was $4,554 with a homeowner's exemption, up 14.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,554.00 (+14.25%) Homeowner's exemption | ||
| 2025 | $3,986.00 (-2.16%) Homeowner's exemption | $351,900 (+14.63%) Land $81,300 Building $270,600 | $351,900 (+14.63%) Land $81,300 Building $270,600 |
| 2024 | $4,074.00 | $307,000 Land $47,400 Building $259,600 | $307,000 Land $47,400 Building $259,600 |
| 2022 | $261,700 Land $41,500 Building $220,200 | $261,700 Land $41,500 Building $220,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2528 Jefferson St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | May 1979 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 2528 Jefferson St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, T-Mobile, Verizon.
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