St. Louis County property record for 2732 W 13th St, Duluth, MN 55806
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.25 ba · 1,840 sqft · built 1914 |
| Lot Size | 0.24 acres (10,487 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Dec 2023) |
| Tax Bill | $3,960 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3220-01920 |
| Primary APN | 010-3220-01920 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Gross Area |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 240 sqft |
| Finished Basement | 240 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 10,487 sqft (0.24 acres) |
| Garage Area | 528 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 40 sqft |
| Deck Area | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1159410 |
|---|---|
| Street Address | 2732 W 13TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55806-1115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 2 AND 3 SERIAL # |
| Legal Subdivision | MERCHANTS PARK DIVISION OF DULUTH |
| Legal Block | 9 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 2600 |
2732 W 13th St is owned and occupied by an individual who bought it in December 2023.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2732 W 13TH ST, DULUTH, MN 55806-1115 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Dec 12, 2023 | Deed, Transfer · Conventional Mortgage BELL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2023 · Amount on File |
| Deed Sale | Dec 12, 2023 · Amount on File |
| Deed Document Number | 20231479551 |
| Prior Transfer Date | Jun 24, 2010 |
| Prior Transfer Doc | 0001141920 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2732 W 13TH ST, DULUTH, MN 55806-1115 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2732 W 13TH ST, DULUTH, MN 55806-1115 |
| Document Number | 0001523755 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 1523755 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 12, 2023 |
| Property Address | 2732 W 13TH ST, DULUTH, MN 55806-1115 |
| Document Number | 0001479551 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 1479551 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,056.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2732 W 13TH ST, DULUTH, MN 55806-1115 |
| Document Number | 0001479552 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 1479552 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
The 2026 property tax bill for 2732 W 13th St was $3,960 with a homeowner's exemption, up 8.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,960.00 (+8.14%) Homeowner's exemption | ||
| 2025 | $3,662.00 Homeowner's exemption | $333,200 (+16.87%) Land $31,700 Building $301,500 | $333,200 (+16.87%) Land $31,700 Building $301,500 |
| 2024 | $285,100 Land $53,200 Building $231,900 | $285,100 Land $53,200 Building $231,900 | |
| 2023 | $3,932.00 Homeowner's exemption | ||
| 2022 | $273,000 Land $48,300 Building $224,700 | $273,000 Land $48,300 Building $224,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2732 W 13th 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.
The area around 2732 W 13th 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 371 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 |
| Airfiber Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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