2712 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2712 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 2,306 sqft · built 1908
Lot Size	0.086 acres (3,783 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2023)
Tax Bill	$3,816 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1140-03730`

Property Details

APN / Parcel Number

Primary APN	`010-1140-03730`
Alternative APNs	`1157485` `866089`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,306 sqft Gross Area
1st Floor Area	1,027 sqft
Basement Area	257 sqft
Finished Basement	257 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Duplex Single
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	3,783 sqft (0.086 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	126 sqft
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1157485
Street Address	2712 W 3RD ST
City	DULUTH
State	MN
Zip	55806-1843
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	WLY 27 FT SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	84
Legal Lot Number	438
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2022
Census Tract	15600

Owner

2712 W 3rd St, a residential property, is owned by an individual who bought it in November 2023.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	14913 RIFF CV, AUSTIN, TX 78725-3106
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Nov 3, 2023	Intrafamily Transfer, Transfer
Feb 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	May 15, 2008 · Amount on File
Deed Document Number	20231477482
Prior Transfer Date	Oct 5, 2023
Prior Transfer Doc	0001477481
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 3, 2023
Property Address	2712 W 3RD ST, DULUTH, MN 55806-1843
Document Number	0001477482
Instrument Date	Oct 30, 2023
Instrument	1477482
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
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	14913 RIFF CV, AUSTIN, TX 78725-3106

Mortgage

Document Number	0001477483
Date	Nov 3, 2023
Instrument	1477483

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Nov 3, 2023
Property Address	2712 W 3RD ST, DULUTH, MN 55806-1843
Document Number	0001477481
Instrument Date	Oct 5, 2023
Instrument	1477481
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2712 W 3RD ST, DULUTH, MN 55806-1843

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2712 W 3RD ST, DULUTH, MN 55806-1843
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 HENDERSON RD #B B, B, FAIRBANKS, AK 99709-2415

Mortgage

Document Number	0001402495
Date	Feb 1, 2021
Instrument	1402495

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 2712 W 3rd St was $3,816, up 13.3% from the year before.

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	$3,816.00 (+13.3%)
2025	$3,368.00	$232,800 (+16.46%) Land $14,300 Building $218,500	$232,800 (+16.46%) Land $14,300 Building $218,500
2024		$199,900 Land $17,200 Building $182,700	$199,900 Land $17,200 Building $182,700
2023	$3,074.00
2022		$166,700 (+35.31%) Land $15,100 Building $151,600	$166,700 (+35.31%) Land $15,100 Building $151,600
2021		$123,200 Land $4,200 Building $119,000	$123,200 Land $4,200 Building $119,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2712 W 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2712 W 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 601 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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