2806 W 13th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2806 W 13th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,284 sqft · built 1906
Lot Size	0.162 acres (7,075 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Aug 2021)
Tax Bill	$3,758 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3220-02350`

Property Details

APN / Parcel Number

Primary APN	`010-3220-02350`
Alternative APN	`1114239`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,284 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	384 sqft
Finished Basement	384 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,075 sqft (0.162 acres)
Garage Area	330 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	36 sqft
Deck Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1114239
Street Address	2806 W 13TH ST
City	DULUTH
State	MN
Zip	55806-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13, 14, 15 AND 16, BLOCK 10 SERIAL #
Legal Subdivision	MERCHANTS PARK DIVISION OF DULUTH
Legal Block	10
Legal Lot Number	13-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2002
Census Tract	2600

Owner

2806 W 13th St is owned and occupied by an individual who bought it in August 2021.

Source: St. Louis County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	2806 W 13TH ST, DULUTH, MN 55806-1117
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
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage RESULTS MORTGAGE LLC
Jun 24, 2020	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage PIONEER NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on File
Deed Sale	Aug 3, 2021 · Amount on File
Prior Sale	Aug 3, 2021 · Amount on File
Deed Document Number	20211420838
Prior Transfer Date	Jul 1, 2009
Prior Transfer Doc	0001111664
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 3, 2021
Property Address	2806 W 13TH ST, DULUTH, MN 55806-1117
Document Number	0001420838
Instrument Date	Jul 20, 2021
Instrument	1420838
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2806 W 13TH ST, DULUTH, MN 55806-1117

Mortgage

Document Number	0001420839
Date	Aug 3, 2021
Instrument	1420839

Lender

Name	RESULTS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2806 W 13TH ST, DULUTH, MN 55806-1117
Document Number	00A1385267
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2806 W 13TH ST DULUTH MN 558061117, DULUTH, MN 55806-1117

Mortgage

Document Number	00A1385267
Date	Jul 16, 2020
Instrument	A1385267

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 15, 2025

Interest

Rate Type	Adjustable Rate
Rate	5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2806 W 13TH ST, DULUTH, MN 55806-1117
Document Number	00A1317887
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2806 W 13TH ST DULUTH MN 558061117, DULUTH, MN 55806-1117

Mortgage

Document Number	00A1317887
Date	Sep 20, 2017
Instrument	A1317887

Lender

Name	PIONEER NAT'L BK
Type	Bank
Address	DULUTH, MN 55807-2501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2806 W 13th St was $3,758 with a homeowner's exemption, up 8.4% 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	$3,758.00 (+8.42%) Homeowner's exemption
2025	$3,466.00 (-6.07%) Homeowner's exemption	$299,900 (+10.38%) Land $40,700 Building $259,200	$299,900 (+10.38%) Land $40,700 Building $259,200
2024	$3,690.00	$271,700 Land $68,100 Building $203,600	$271,700 Land $68,100 Building $203,600
2022		$246,100 Land $62,000 Building $184,100	$246,100 Land $62,000 Building $184,100

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

Flood

FEMA maps place 2806 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.

Wildfire

Wildfire risk around 2806 W 13th St is low, with less than 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 93% of the US · lower than 78% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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