2650 Morris Thomas Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2650 Morris Thomas Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,284 sqft · built 1961
Lot Size	0.223 acres (9,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Aug 2026)
Tax Bill	$3,740 (2026)
Deeds & Mortgages	Aug 2026 Sale Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-0262-00010`

Property Details

APN / Parcel Number

Primary APN	`010-0262-00010`
Alternative APN	`969348`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,284 sqft Gross Area
1st Floor Area	1,284 sqft
Basement Area	252 sqft
Finished Basement	252 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Lot Area	9,754 sqft (0.223 acres)
Garage Area	728 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	24 sqft
Deck Area	260 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	969348
Street Address	2650 MORRIS THOMAS RD
City	DULUTH
State	MN
Zip	55811-2846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0001 BLOCK:000 SERIAL #
Legal Subdivision	BEVERLY HILL ADDITION FIRST DIVISION
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2005
Census Tract	2300

Owner

Source: St. Louis County records, as of September 3, 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	2650 MORRIS THOMAS RD, DULUTH, MN 55811-2846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Warranty Deed, Transfer FIRST AMERICAN TITLE
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on Record
Deed Sale	Aug 25, 2026 · Amount on Record
Deed Document Number	20261105237
Prior Transfer Date	May 9, 2014
Prior Transfer Doc	000T944233
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 25, 2026
Property Address	2650 MORRIS THOMAS RD, DULUTH, MN 55811-2846
Document Number	0001105237
Instrument Date	Aug 14, 2026
Instrument	20261105237
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$121,654.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2650 MORRIS THOMAS RD, DULUTH, MN 55811-2846

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2650 MORRIS THOMAS RD, DULUTH, MN 55811-2846
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2650 MORRIS THOMAS RD, DULUTH, MN 55811-2846

Mortgage

Document Number	0001095462
Date	Oct 22, 2025
Instrument	1095462

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	58 Months
Due	Aug 18, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,740.00 (+8.16%) Homeowner's exemption
2025	$3,458.00 (+3.97%) Homeowner's exemption	$301,800 (+11.28%) Land $27,900 Building $273,900	$301,800 (+11.28%) Land $27,900 Building $273,900
2024	$3,326.00	$271,200 (+11.01%) Land $34,600 Building $236,600	$271,200 (+11.01%) Land $34,600 Building $236,600
2022		$244,300 Land $39,500 Building $204,800	$244,300 Land $39,500 Building $204,800

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	2 in force

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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 314 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, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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