2708 Morris Thomas Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2708 Morris Thomas Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,568 sqft · built 1949
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Last Sale	$61,178 (May 2023)
Tax Bill	$5,570 (2026)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2710-07911`

Property Details

APN / Parcel Number

Primary APN	`010-2710-07911`
Alternative APNs	`1149156` `992910`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,568 sqft Gross Area
1st Floor Area	1,568 sqft
Basement Area	1,180 sqft
Finished Basement	1,180 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	24,394 sqft (0.56 acres)
Garage Area	832 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	880 sqft
Storage Building	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1149156
Street Address	2708 MORRIS THOMAS RD
City	DULUTH
State	MN
Zip	55811-2845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 100 FT OF E1/2 OF E1/2 OF NE1/4 OF NW1/4LYING N OF WLY EXTENSION OF S LINE OF LOT 1BLK 1 REARR OF AARONS VALLEY SERIAL #
Legal Range	14W
Legal Township	50N
Legal Section	31
Legal Subdivision	REARRANGEMENT OF AARONS VALLEY
Legal Block	1
Legal Lot Number	1B
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 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	2708 MORRIS THOMAS RD, DULUTH, MN 55811-2845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK OF MINNESOTA
Dec 12, 2016	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Nov 13, 2002 · Amount on Record
Deed Document Number	20231068714
Last Transfer Date	May 13, 2024
Transfer Doc	0001079768
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 1, 2026
Property Address	2708 MORRIS THOMAS RD, DULUTH, MN 55811-2845
Document Number	0001531882
Instrument Date	Mar 23, 2026
Instrument	20261531882
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001531882,
Date	May 1, 2026
Instrument	20261531882

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate	5.35%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2708 MORRIS THOMAS RD, DULUTH, MN 55811-2845
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6015 PRAIRIE HILLS VW 308, 308, COLORADO SPRINGS, CO 80923-3518

Mortgage

Document Number	0001070771
Date	Aug 2, 2023
Instrument	1070771

Lender

Name	AMERICAN NATIONAL BANK OF MINNESOTA
Type	Bank
Address	BEMIDJI, MN 56601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jul 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2708 MORRIS THOMAS RD, DULUTH, MN 55811-2845
Document Number	000T981458
Instrument Date	Dec 12, 2016
Transaction Type	Mortgage
Record Updated	Feb 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 MORRIS THOMAS RD DULUTH MN 558112845, DULUTH, MN 55811-2845

Mortgage

Document Number	000T981458
Date	Jan 27, 2017
Instrument	T981458

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2027

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	$5,570.00 (+7.86%) Homeowner's exemption
2025	$5,164.00 (+4.45%) Homeowner's exemption	$441,900 (+14.25%) Land $43,700 Building $398,200	$441,900 (+14.25%) Land $43,700 Building $398,200
2024	$4,944.00	$386,800 (+10.64%) Land $54,300 Building $332,500	$386,800 (+10.64%) Land $54,300 Building $332,500
2022		$349,600 Land $61,900 Building $287,700	$349,600 Land $61,900 Building $287,700

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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