2540 Providence Rd, Duluth, MN 55811 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,550 sqft · built 1991
Lot Size	0.399 acres (17,400 sqft)
Owner	Individual Name on Record
Last Sale	$262,000 (Feb 2005)
Tax Bill	$5,226 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-0405-00040`

Property Details

APN / Parcel Number

Primary APN	`010-0405-00040`
Alternative APN	`776790`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,550 sqft Gross Area
1st Floor Area	1,550 sqft
Basement Area	1,085 sqft
Finished Basement	1,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	17,400 sqft (0.399 acres)
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	372 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	776790
Street Address	2540 PROVIDENCE RD
City	DULUTH
State	MN
Zip	55811-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:001 SERIAL #
Legal Subdivision	CENTRAL BAPTIST DIVISION
Legal Block	1
Legal Lot Number	4
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	2540 PROVIDENCE RD, DULUTH, MN 55811-2900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2005 · Amount on Record
Deed Sale	Feb 4, 2005 · Amount on Record
Deed Document Number	2005792702
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2540 PROVIDENCE RD, DULUTH, MN 55811-2900
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001096058
Date	Nov 10, 2025
Instrument	1096058

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 9, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2540 PROVIDENCE RD, DULUTH, MN 55811-2900
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001073753
Date	Oct 25, 2023
Instrument	1073753

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 24, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2540 PROVIDENCE RD, DULUTH, MN 55811-2900
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001037285
Date	Mar 3, 2021
Instrument	1037285

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2540 PROVIDENCE RD, DULUTH, MN 55811-2900
Document Number	000T992282
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2540 PROVIDENCE RD DULUTH MN 558112900, DULUTH, MN 55811-2900

Mortgage

Document Number	000T992282
Date	Nov 16, 2017
Instrument	T992282

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2032

Interest

Rate Type	Adjustable Rate

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	$5,226.00 (+10.53%) Homeowner's exemption
2025	$4,728.00 (-10.96%) Homeowner's exemption	$459,300 (+28.51%) Land $38,400 Building $420,900	$459,300 (+28.51%) Land $38,400 Building $420,900
2024	$5,310.00	$357,400 (+10.04%) Land $49,400 Building $308,000	$357,400 (+10.04%) Land $49,400 Building $308,000
2022		$324,800 Land $47,600 Building $277,200	$324,800 Land $47,600 Building $277,200

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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