2815 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2815 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 2 ba · 2,044 sqft · built 1894
Lot Size	0.079 acres (3,478 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Aug 2026)
Tax Bill	$3,174 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-1820-00130`

Property Details

APN / Parcel Number

Primary APN	`010-1820-00130`
Alternative APN	`1103083`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,044 sqft Gross Area
1st Floor Area	1,022 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,478 sqft (0.079 acres)
Garage Area	330 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1103083
Street Address	2815 W 3RD ST
City	DULUTH
State	MN
Zip	55806-3309
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	WEST 1/2 OF LOT 12, BLOCK 2 SERIAL #
Legal Subdivision	GAYS DIVISION OF DULUTH
Legal Block	2
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1019
Census Tract	2600

Owner

Source: St. Louis County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2815 W 3RD ST, DULUTH, MN 55806-3309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BANK OF COMMERCE
Dec 4, 2025	Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC
Mar 19, 2024	Deed of Trust, Mortgage · Construction Mortgage LIMA ONE CAPITAL LLC
Jun 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage RENOVO CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	20261537960
Prior Transfer Date	Jun 21, 2002
Prior Transfer Doc	0000862306
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 7, 2026
Property Address	2815 W 3RD ST, DULUTH, MN 55806-3309
Document Number	0001537960
Instrument Date	Jul 30, 2026
Instrument	20261537960
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$83,291.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 W 3RD ST, DULUTH, MN 55806-3309

Mortgage

Document Number	0001537961,
Date	Aug 7, 2026
Instrument	20261537961

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0001537962,
Date	Aug 7, 2026
Instrument	20261537962

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2815 W 3RD ST, DULUTH, MN 55806-3309
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4836 STARLITE LOOP C, C, HERMANTOWN, MN 55811-4117

Mortgage

Document Number	0001523511
Date	Dec 4, 2025
Instrument	1523511

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2815 W 3RD ST, DULUTH, MN 55806-3309
Transaction Type	Mortgage
Record Updated	Apr 8, 2024
Title Company	BURNETT TITLE, BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4836 STARLITE LOOP C, C, HERMANTOWN, MN 55811-4117

Mortgage

Document Number	0001484706
Date	Mar 19, 2024
Instrument	1484706

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	14 Months
Due	May 1, 2025

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 11, 2021
Property Address	2815 W 3RD ST, DULUTH, MN 55806-3309
Document Number	0001416325
Instrument Date	May 28, 2021
Instrument	1416325
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3029 MORRIS THOMAS RD, HERMANTOWN, MN 55811-2820

Mortgage

Document Number	0001416326
Date	Jun 11, 2021
Instrument	1416326

Lender

Name	RENOVO CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,174.00 (+13.03%)
2025	$2,808.00 (+6.85%)	$195,600 (+17.55%) Land $13,100 Building $182,500	$195,600 (+17.55%) Land $13,100 Building $182,500
2024	$2,628.00 (+3.14%)	$166,400 (+20.58%) Land $15,800 Building $150,600	$166,400 (+20.58%) Land $15,800 Building $150,600
2023	$2,548.00
2022		$138,000 (+21.91%) Land $13,900 Building $124,100	$138,000 (+21.91%) Land $13,900 Building $124,100
2021		$113,200 Land $3,900 Building $109,300	$113,200 Land $3,900 Building $109,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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