2845 Harvey St, Duluth, MN 55811 Property Records

St. Louis County property record for 2845 Harvey St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1950
Lot Size	0.714 acres (31,120 sqft)
Owner	Individual Name on File
Tax Bill	$3,332 (2026)
Deeds & Mortgages	Jun 2022 Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`010-4020-00410`

Property Details

APN / Parcel Number

Primary APN	`010-4020-00410`
Alternative APNs	`1051131` `10416`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	728 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	31,120 sqft (0.714 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	42 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1051131
Street Address	2845 HARVEY ST
City	DULUTH
State	MN
Zip	55811-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 41 AND 42 SERIAL #
Legal Subdivision	SEVENTH WARD GARDEN DIVISION
Legal Lot Number	41-42
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3005
Census Tract	2300

Owner

2845 Harvey St is owned and occupied by an individual who acquired it in May 2018.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2845 HARVEY ST, DULUTH, MN 55811-2807
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
Jun 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage PROCTOR FEDERAL CU
May 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 16, 2018
Transfer Doc	000T998157
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2845 HARVEY ST, DULUTH, MN 55811-2807
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 HAVEY ST, DULUTH, MN 55811-2807

Mortgage

Document Number	0001057799
Date	Jun 15, 2022
Instrument	1057799

Lender

Name	PROCTOR FEDERAL CU
Type	Credit Union
Address	DULUTH, MN 55810

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 6, 2027

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 18, 2018
Property Address	2845 HARVEY ST, DULUTH, MN 55811-2807
Document Number	000T998157
Instrument Date	May 11, 2018
Instrument	T998157
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2845 HARVEY ST DULUTH MN 558112807, DULUTH, MN 55811-2807

Tax Assessment & Valuation

The 2026 property tax bill for 2845 Harvey St was $3,332 with a homeowner's exemption, up 9.6% 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	$3,332.00 (+9.61%) Homeowner's exemption
2025	$3,040.00 (+2.91%) Homeowner's exemption	$243,700 (+0.33%) Land $44,800 Building $198,900	$243,700 (+0.33%) Land $44,800 Building $198,900
2024	$2,954.00	$242,900 Land $55,600 Building $187,300	$242,900 Land $55,600 Building $187,300
2022		$214,300 Land $63,500 Building $150,800	$214,300 Land $63,500 Building $150,800

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

Flood

FEMA maps place 2845 Harvey 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 2845 Harvey 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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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.

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