St. Louis County property record for 2815 Morris Thomas Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,256 sqft · built 1956 |
| Lot Size | 0.358 acres (15,626 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,266 (Sep 2010) |
| Tax Bill | $3,184 (2026) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4020-00100 |
| Primary APN | 010-4020-00100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Gross Area |
| 1st Floor Area | 837 sqft |
| Basement Area | 420 sqft |
| Finished Basement | 420 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 15,626 sqft (0.358 acres) |
| Garage Area | 294 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 926394 |
|---|---|
| Street Address | 2815 MORRIS THOMAS RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-2817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0010 BLOCK:000 SERIAL # |
| Legal Subdivision | SEVENTH WARD GARDEN DIV |
| Legal Lot Number | 10 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 2300 |
2815 Morris Thomas Rd is owned and occupied by an individual who bought it in September 2010.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2815 MORRIS THOMAS RD, DULUTH, MN 55811-2817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2023 | Deed of Trust, Mortgage · Line of Credit PARK STATE BANK & TRUST |
| May 9, 2019 | Deed of Trust, Mortgage · Line of Credit LAKE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2010 · Amount on File |
| Deed Sale | Sep 29, 2010 · Amount on File |
| Prior Sale | May 14, 2004 · Amount on File |
| Deed Document Number | 2010890213 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2815 MORRIS THOMAS RD, DULUTH, MN 55811-2817 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2815 MORRIS THOMAS RD, DULUTH, MN 55811-2817 |
| Document Number | 0001067447 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 1067447 |
| Name | PARK STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | TWO HARBORS, MN 55616 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 109 Months |
| Due | May 2, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2815 MORRIS THOMAS RD, DULUTH, MN 55811-2817 |
| Document Number | 00T1010525 |
| Instrument Date | May 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2815 MORRIS THOMAS RD DULUTH MN 558112817, DULUTH, MN 55811-2817 |
| Document Number | 00T1010525 |
|---|---|
| Date | May 20, 2019 |
| Instrument | T1010525 |
| Name | LAKE BK |
|---|---|
| Type | Bank |
| Address | TWO HARBORS, MN 55616 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 19, 2024 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 2815 Morris Thomas Rd was $3,184 with a homeowner's exemption, up 7.9% 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 | $3,184.00 (+7.93%) Homeowner's exemption | ||
| 2025 | $2,950.00 (+1.58%) Homeowner's exemption | $275,200 (+16.27%) Land $36,000 Building $239,200 | $275,200 (+16.27%) Land $36,000 Building $239,200 |
| 2024 | $2,904.00 | $236,700 Land $44,700 Building $192,000 | $236,700 Land $44,700 Building $192,000 |
| 2022 | $217,200 Land $51,000 Building $166,200 | $217,200 Land $51,000 Building $166,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2815 Morris Thomas Rd 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 risk around 2815 Morris Thomas Rd 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 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.
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 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.
5G (outdoors only) and 4G LTE
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