2610 Jefferson St, Duluth, MN 55812 Property Records

St. Louis County property record for 2610 Jefferson St, Duluth, MN 55812

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1926
Lot Size	0.179 acres (7,807 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Apr 2022)
Tax Bill	$3,524 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2080-06360`

Property Details

APN / Parcel Number

Primary APN	`010-2080-06360`
Alternative APN	`1129036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Gross Area
1st Floor Area	672 sqft
Basement Area	336 sqft
Finished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,807 sqft (0.179 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	64 sqft
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1129036
Street Address	2610 JEFFERSON ST
City	DULUTH
State	MN
Zip	55812-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLOCK 44 SERIAL #
Legal Subdivision	HARRISONS DIVISION OF DULUTH
Legal Block	44
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	700

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	2610 JEFFERSON ST, DULUTH, MN 55812-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Apr 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Jul 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage PARK ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2022 · Amount on Record
Deed Sale	Apr 18, 2022 · Amount on Record
Prior Sale	Jul 3, 2013 · Amount on Record
Deed Document Number	20221441305
Prior Transfer Date	Jul 18, 2003
Prior Transfer Doc	0000927023
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2610 JEFFERSON ST, DULUTH, MN 55812-2319
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001485665
Date	Apr 5, 2024
Instrument	1485665

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.34%
Type Change Date	Apr 3, 2031
Change Frequency	Annually
Min Rate At Change	5.34%
Max Rate At Change	9.34%
Index	1-Year CMT
Max Rate	13.3%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 18, 2022
Property Address	2610 JEFFERSON ST, DULUTH, MN 55812-2319
Document Number	0001441305
Instrument Date	Apr 14, 2022
Instrument	1441305
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$920.70
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	2610 JEFFERSON ST, DULUTH, MN 55812-2319

Mortgage

Document Number	0001441306
Date	Apr 18, 2022
Instrument	1441306

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 14, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2610 JEFFERSON ST, DULUTH, MN 55812-2319
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001407194
Date	Mar 17, 2021
Instrument	1407194

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2610 JEFFERSON ST, DULUTH, MN 55812-2319
Document Number	00A1336919
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2610 JEFFERSON ST DULUTH MN 558122319, DULUTH, MN 55812-2319

Mortgage

Document Number	00A1336919
Date	Jul 20, 2018
Instrument	A1336919

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2048

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	$3,524.00 (+15.77%) Homeowner's exemption
2025	$3,044.00 (-3%) Homeowner's exemption	$379,400 (+56.07%) Land $89,500 Building $289,900	$379,400 (+56.07%) Land $89,500 Building $289,900
2024	$3,138.00	$243,100 (+17.1%) Land $52,200 Building $190,900	$243,100 (+17.1%) Land $52,200 Building $190,900
2022		$207,600 Land $45,700 Building $161,900	$207,600 Land $45,700 Building $161,900

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	8 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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