2816 W 2nd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2816 W 2nd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 1,333 sqft · built 1910
Lot Size	0.08 acres (3,504 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Mar 2023)
Tax Bill	$1,860 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Apr 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-1140-03330`

Property Details

APN / Parcel Number

Primary APN	`010-1140-03330`
Alternative APNs	`1028464` `1146717`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,333 sqft Gross Area
1st Floor Area	885 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	3,504 sqft (0.08 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	90 sqft
Deck Area	12 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1146717
Street Address	2816 W 2ND ST
City	DULUTH
State	MN
Zip	55806-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST 1/2 OF LOT 456 BLOCK 81 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	81
Legal Lot Number	456
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2024
Census Tract	15600

Owner

2816 W 2nd St is owned and occupied by an individual who bought it in March 2023.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2816 W 2ND ST, DULUTH, MN 55806-1720
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
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage PARK STATE BANK & TRUST
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Apr 7, 2017	Grant Deed, Transfer WEST TITLE COMPANY
Jan 13, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Mar 15, 2016 · Amount on File
Deed Document Number	20231464199
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 31, 2023
Property Address	2816 W 2ND ST, DULUTH, MN 55806-1720
Document Number	0001464199
Instrument Date	Mar 20, 2023
Instrument	1464199
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	NOT AVAILABLE, ST LOUIS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$488.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 W 2ND ST, DULUTH, MN 55806-1720

Mortgage

Document Number	0001464200
Date	Mar 31, 2023
Instrument	1464200

Lender

Name	PARK STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.17%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	4.17%
Max Rate At Change	8.17%
Index	1-Year T-Bill
Max Rate	12.1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2816 W 2ND ST, DULUTH, MN 55806-1720
Document Number	00A1354131
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 W 2ND ST DULUTH MN 558061720, DULUTH, MN 55806-1720

Mortgage

Document Number	00A1354131
Date	May 3, 2019
Instrument	A1354131

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 2, 2039

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2816 W 2ND ST, DULUTH, MN 55806-1720
Document Number	00A1328236
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 W 2ND ST DULUTH MN 558061720, DULUTH, MN 55806-1720

Mortgage

Document Number	00A1328236
Date	Feb 26, 2018
Instrument	A1328236

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 25, 2038

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 7, 2017
Property Address	2816 W 2ND ST, DULUTH, MN 55806-1720
Document Number	00A1307058
Instrument Date	Mar 21, 2017
Instrument	A1307058
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	WEST TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 W 2ND ST DULUTH MN 558061720, DULUTH, MN 55806-1720

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 13, 2017
Property Address	2816 W 2ND ST, DULUTH, MN 55806-1720
Document Number	00A1302176
Instrument Date	Oct 27, 2016
Instrument	A1302176
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2026 property tax bill for 2816 W 2nd St was $1,860 with a homeowner's exemption, down 24.5% 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	$1,860.00 (-24.45%) Homeowner's exemption
2025	$2,462.00 (+22.24%)	$168,500 (+15.65%) Land $13,200 Building $155,300	$168,500 (+15.65%) Land $13,200 Building $155,300
2024	$2,014.00	$145,700 Land $15,900 Building $129,800	$145,700 Land $15,900 Building $129,800
2022		$105,400 Land $14,000 Building $91,400	$105,400 Land $14,000 Building $91,400

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

Flood

FEMA maps place 2816 W 2nd 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

The area around 2816 W 2nd 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.

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 278 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 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber.

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