282 Saint Louis River Rd E, Duluth, MN 55810 Property Records

Carlton County property record for 282 Saint Louis River Rd E, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Lot Size	10 acres (437,342 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jun 2022)
Tax Bill	$4,614 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-0020`

Property Details

APN / Parcel Number

Primary APN	`78-020-0020`
Alternative APN	`25192`

Exterior

Lot Area	437,342 sqft (10 acres)

Location & Zoning

Account Number	25192
Street Address	282 SAINT LOUIS RIVER RD E
City	DULUTH
State	MN
Zip	55810-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW1/4 NE1/4 NE1/4 OR LOT 1 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	01
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Legal Lot Number	1
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	3
Census Block	3000
Census Tract	70300

Owner

282 Saint Louis River Rd E is owned and occupied by an individual who bought it in June 2022.

Source: Carlton County records, as of April 24, 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	282 SAINT LOUIS RIVER RD E, DULUTH, MN 55810-4502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL BANK OF COMMERCE
Feb 16, 2018	Deed of Trust, Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Deed Document Number	20221434656
Prior Transfer Date	Jun 22, 2007
Prior Transfer Doc	0000412362
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 14, 2022
Property Address	282 SAINT LOUIS RIVER RD E, DULUTH, MN 55810-4502
Document Number	A000507256
Instrument Date	Jun 30, 2022
Instrument	A000507256
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 SAINT LOUIS RIVER RD E, DULUTH, MN 55810-4502

Mortgage

Document Number	A000507259
Date	Jul 14, 2022
Instrument	A000507259

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	282 SAINT LOUIS RIVER RD E, DULUTH, MN 55810-4502
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000501922
Date	Sep 28, 2021
Instrument	A000501922

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	282 SAINT LOUIS RIVER RD E, DULUTH, MN 55810-4502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000478931
Date	Feb 16, 2018
Instrument	000000478931

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	239 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 282 Saint Louis River Rd E was $4,614 with a homeowner's exemption.

Source: Carlton County assessment roll, as of April 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
County Subdivision	Thomson Township
Unified School District	Esko Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,614.00 Homeowner's exemption
2025		$401,700 (+3.11%) Land $131,400 Building $270,300	$401,700 (+3.11%) Land $131,400 Building $270,300
2024	$4,264.00 Homeowner's exemption	$389,600 (+8.95%) Land $131,400 Building $258,200	$389,600 (+8.95%) Land $131,400 Building $258,200
2023	$4,264.00 Homeowner's exemption	$357,600 (-) Land $123,400 Building $234,200	$357,600 (-) Land $123,400 Building $234,200
2022		$357,600 Land $123,400 Building $234,200	$357,600 Land $123,400 Building $234,200

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

Flood

FEMA maps place 282 Saint Louis River Rd E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024 · 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	1 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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 282 Saint Louis River Rd E 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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