2851 Morris Thomas Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 2851 Morris Thomas Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,764 sqft · built 1922
Lot Size	0.72 acres (31,364 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Nov 2019)
Tax Bill	$4,900 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Apr 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-4020-00150`

Property Details

APN / Parcel Number

Primary APN	`010-4020-00150`
Alternative APN	`1080967`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,764 sqft Gross Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	31,364 sqft (0.72 acres)
Garage Type	Detached
Garage Area	1,200 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	54 sqft
Deck Area	154 sqft
Pole Barn	1,200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1080967
Street Address	2851 MORRIS THOMAS RD
City	DULUTH
State	MN
Zip	55811-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 AND 16 SERIAL #
Legal Subdivision	SEVENTH WARD GARDEN DIVISION
Legal Lot Number	15-16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3004
Census Tract	2300

Owner

Source: St. Louis County records, as of August 17, 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	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Apr 27, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Dec 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Nov 12, 2019	Warranty Deed, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Jan 14, 2014 · Amount on Record
Deed Document Number	20191017349
Last Transfer Date	Dec 8, 2020
Transfer Doc	0001033851
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001058719
Date	Jul 12, 2022
Instrument	1058719

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001067852
Date	Apr 27, 2023
Instrument	1067852

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Document Number	00T1035572
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 MORRIS THOMAS RD DULUTH MN 558112817, DULUTH, MN 55811-2817

Mortgage

Document Number	00T1035572
Date	Jan 25, 2021
Instrument	T1035572

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 24, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.75%

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 17, 2020
Property Address	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Document Number	00T1033851
Instrument Date	Dec 8, 2020
Instrument	T1033851
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2851 MORRIS THOMAS RD DULUTH MN 558112817, DULUTH, MN 55811-2817

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Document Number	00T1020040
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 MORRIS THOMAS RD DULUTH MN 558112817, DULUTH, MN 55811-2817

Mortgage

Document Number	00T1020040
Date	Jan 29, 2020
Instrument	T1020040

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 28, 2030

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 12, 2019
Property Address	2851 MORRIS THOMAS RD, DULUTH, MN 55811-2817
Document Number	00T1017349
Instrument Date	Nov 8, 2019
Instrument	T1017349
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$732.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2851 MORRIS THOMAS RD DULUTH MN 558112817, DULUTH, MN 55811-2817

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	$4,900.00 (+42.11%) Homeowner's exemption Disabled Person's exemption
2025	$3,448.00 (+2.86%) Homeowner's exemption Disabled Person's exemption	$374,100 (+26.39%) Land $44,800 Building $329,300	$374,100 (+26.39%) Land $44,800 Building $329,300
2024	$3,352.00	$296,000 (+9.02%) Land $55,700 Building $240,300	$296,000 (+9.02%) Land $55,700 Building $240,300
2022		$271,500 Land $63,500 Building $208,000	$271,500 Land $63,500 Building $208,000

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

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	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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