2540 Anderson Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2540 Anderson Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,326 sqft · built 1959
Lot Size	0.326 acres (14,226 sqft)
Owner	Company Name on File
Last Sale	$92,000 (Jun 2020)
Tax Bill	$3,376 (2026)
Deeds & Mortgages	May 2023 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2025-00015`

Property Details

APN / Parcel Number

Primary APN	`010-2025-00015`
Alternative APN	`1090579`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,326 sqft Gross Area
1st Floor Area	884 sqft
Basement Area	442 sqft
Finished Basement	442 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	14,226 sqft (0.326 acres)
Garage Area	336 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	108 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1090579
Street Address	2540 ANDERSON RD
City	DULUTH
State	MN
Zip	55811-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EASTERLY 71 FEET OF LOT 1 SERIAL #
Legal Subdivision	HAINESVILLE ADDITION TO DULUTH
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4002
Census Tract	2300

Owner

2540 Anderson Rd is owned by a company that bought it in June 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	2540 ANDERSON RD, DULUTH, MN 55811-3846
Occupancy	Owner Occupied
Owner Type	Company

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
May 17, 2023	Deed of Trust, Mortgage · FHA Mortgage REGENT FINANCIAL GROUP INC
Jun 5, 2020	Warranty Deed, Transfer · FHA Mortgage REGENT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on File
Deed Sale	Jun 5, 2020 · Amount on File
Prior Sale	Aug 4, 2009
Deed Document Number	20201381729
Prior Transfer Date	Sep 4, 2007
Prior Transfer Doc	0001062988
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2540 ANDERSON RD, DULUTH, MN 55811-3846
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001466675
Date	May 17, 2023
Instrument	1466675

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company
Address	OMAHA, NE 68124

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 5, 2020
Property Address	2540 ANDERSON RD, DULUTH, MN 55811-3846
Document Number	00A1381729
Instrument Date	Jun 4, 2020
Instrument	A1381729
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2540 ANDERSON RD DULUTH MN 558113846, DULUTH, MN 55811-3846

Mortgage

Document Number	A1381730
Date	Jun 5, 2020
Instrument	A1381730

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 2540 Anderson Rd was $3,376 with a homeowner's exemption, up 11.7% 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	$3,376.00 (+11.71%) Homeowner's exemption
2025	$3,022.00 (-12.61%) Homeowner's exemption	$271,700 (+12.41%) Land $34,000 Building $237,700	$271,700 (+12.41%) Land $34,000 Building $237,700
2024	$3,458.00	$241,700 Land $43,900 Building $197,800	$241,700 Land $43,900 Building $197,800
2022		$217,800 Land $42,300 Building $175,500	$217,800 Land $42,300 Building $175,500

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

Flood

FEMA maps place 2540 Anderson Rd 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 2540 Anderson 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 82% 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 148 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, Mediacom Xtream.

Cell Coverage

5G (outdoors only) and 4G LTE

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