2530 Providence Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2530 Providence Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,619 sqft · built 2000
Lot Size	0.409 acres (17,853 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Sep 2023)
Tax Bill	$7,402 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0405-00120`

Property Details

APN / Parcel Number

Primary APN	`010-0405-00120`
Alternative APNs	`1084181` `1155574`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,619 sqft Gross Area
1st Floor Area	1,563 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	17,853 sqft (0.409 acres)
Garage Area	780 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	32 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1155574
Street Address	2530 PROVIDENCE RD
City	DULUTH
State	MN
Zip	55811-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC PT OF VAC FAITH PLACE ADJ SERIAL #
Legal Subdivision	CENTRAL BAPTIST DIVISION
Legal Block	2
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4001
Census Tract	2300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2530 PROVIDENCE RD, DULUTH, MN 55811-2900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 8, 2021	Deed of Trust, Mortgage · VA Mortgage NORTH SHORE BANK OF COMMERCE
Jan 10, 2020	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2023 · Amount on Record
Deed Sale	Sep 28, 2023 · Amount on Record
Prior Sale	Jan 10, 2020 · Amount on Record
Deed Document Number	20231072856
Prior Transfer Date	Aug 22, 2008
Prior Transfer Doc	0000860052
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 28, 2023
Property Address	2530 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	0001072856
Instrument Date	Sep 18, 2023
Instrument	1072856
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,716.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2530 PROVIDENCE RD, DULUTH, MN 55811-2900

Mortgage

Document Number	0001072857
Date	Sep 28, 2023
Instrument	1072857

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2530 PROVIDENCE RD, DULUTH, MN 55811-2900
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001049129
Date	Nov 8, 2021
Instrument	1049129

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 10, 2020
Property Address	2530 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	00T1019426
Instrument Date	Jan 8, 2020
Instrument	T1019426
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,130.00
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	2530 PROVIDENCE RD DULUTH MN 558112900, DULUTH, MN 55811-2900

Mortgage

Document Number	T1019427
Date	Jan 10, 2020
Instrument	T1019427

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

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	$7,402.00 (+10.78%) Homeowner's exemption
2025	$6,682.00 (+0.66%) Homeowner's exemption	$593,400 (+21.13%) Land $39,000 Building $554,400	$593,400 (+21.13%) Land $39,000 Building $554,400
2024		$489,900 (+10.66%) Land $50,400 Building $439,500	$489,900 (+10.66%) Land $50,400 Building $439,500
2023	$6,638.00 Homeowner's exemption
2022		$442,700 Land $48,500 Building $394,200	$442,700 Land $48,500 Building $394,200

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
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

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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