2802 Snowy Owl Cir, Duluth, MN 55804 Property Records

St. Louis County property record for 2802 Snowy Owl Cir, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,903 sqft · built 2007
Lot Size	0.355 acres (15,491 sqft)
Owner	Individual Name on File
Last Sale	$291,948 (Mar 2008)
Tax Bill	$7,418 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2118-00120`

Property Details

APN / Parcel Number

Primary APN	`010-2118-00120`
Alternative APN	`862573`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,903 sqft Gross Area
1st Floor Area	1,228 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Other
Construction Type	Frame
Lot Area	15,491 sqft (0.355 acres)
Garage Area	575 sqft

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	263 sqft
Storage Building	128 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	862573
Street Address	2802 SNOWY OWL CIR
City	DULUTH
State	MN
Zip	55804-1189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLOCK 2 SERIAL #
Legal Subdivision	HAWK RIDGE ESTATES C OF DULUTH
Legal Block	2
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3001
Census Tract	200

Owner

2802 Snowy Owl Cir is owned and occupied by an individual who bought it in March 2008.

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

Owner of Record	Individual Name on File
Mailing Address	2802 SNOWY OWL CIR, DULUTH, MN 55804-1189
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2008 · Amount on File
Deed Sale	Mar 10, 2008 · Amount on File
Prior Sale	Sep 26, 2007 · Amount on File
Deed Document Number	2008850086
Prior Transfer Date	Aug 16, 2007
Prior Transfer Doc	0000843179
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2802 SNOWY OWL CIR, DULUTH, MN 55804-1189
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TTL & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001052776
Date	Jan 28, 2022
Instrument	1052776

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2802 SNOWY OWL CIR, DULUTH, MN 55804-1189
Document Number	000T981681
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2802 SNOWY OWL CIR DULUTH MN 558041189, DULUTH, MN 55804-1189

Mortgage

Document Number	000T981681
Date	Feb 2, 2017
Instrument	T981681

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2802 Snowy Owl Cir was $7,418 with a homeowner's exemption, up 8.5% 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	$7,418.00 (+8.45%) Homeowner's exemption
2025	$6,840.00 (+6.08%) Homeowner's exemption	$548,600 (+9.59%) Land $67,100 Building $481,500	$548,600 (+9.59%) Land $67,100 Building $481,500
2024	$6,448.00	$500,600 Land $67,100 Building $433,500	$500,600 Land $67,100 Building $433,500
2022		$422,200 Land $75,800 Building $346,400	$422,200 Land $75,800 Building $346,400

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

Flood

FEMA maps place 2802 Snowy Owl Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	6 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	May 1978 · 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

Wildfire risk around 2802 Snowy Owl Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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 339 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Snowy Owl Cir

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