2540 Jefferson St, Duluth, MN 55812 Property Records

St. Louis County property record for 2540 Jefferson St, Duluth, MN 55812

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,076 sqft · built 1921
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Nov 2024)
Tax Bill	$5,514 (2026)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2080-06520`

Property Details

APN / Parcel Number

Primary APN	`010-2080-06520`
Alternative APNs	`1174567` `954341`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,076 sqft Gross Area
1st Floor Area	1,267 sqft
Basement Area	340 sqft
Finished Basement	340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,800 sqft (0.179 acres)
Garage Area	672 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	162 sqft
Deck Area	27 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1174567
Street Address	2540 JEFFERSON ST
City	DULUTH
State	MN
Zip	55812-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, BLOCK 45 SERIAL #
Legal Subdivision	HARRISONS DIVISION OF DULUTH
Legal Block	45
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1032
Census Tract	1100

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	2 Individual Names on Record
Mailing Address	2540 JEFFERSON ST, DULUTH, MN 55812-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2024 · Amount on Record
Deed Sale	Nov 8, 2024 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	20241499161
Prior Transfer Date	Jun 13, 2013
Prior Transfer Doc	0001219026
Record Updated	Sep 20, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 8, 2024
Property Address	2540 JEFFERSON ST, DULUTH, MN 55812-2215
Document Number	0001499161
Instrument Date	Nov 4, 2024
Instrument	1499161
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
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	2540 JEFFERSON ST, DULUTH, MN 55812-2215

Mortgage

Document Number	0001499162
Date	Nov 8, 2024
Instrument	1499162

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

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	$5,514.00 (+23.41%)
2025	$4,468.00 (-1.85%) Homeowner's exemption	$408,900 (+20.37%) Land $81,300 Building $327,600	$408,900 (+20.37%) Land $81,300 Building $327,600
2024	$4,552.00	$339,700 (+17.38%) Land $47,400 Building $292,300	$339,700 (+17.38%) Land $47,400 Building $292,300
2022		$289,400 Land $41,500 Building $247,900	$289,400 Land $41,500 Building $247,900

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 · 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

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 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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