2903 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2903 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	2 bd · 2 ba · 1,418 sqft · built 1901
Lot Size	0.071 acres (3,129 sqft)
Owner	Company Name on File
Last Sale	$719,284 (Aug 2017)
Tax Bill	$2,244 (2026)
Deeds & Mortgages	Sep 2020 Line of Credit Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-4440-00390`

Property Details

APN / Parcel Number

Primary APN	`010-4440-00390`
Alternative APN	`899491`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,418 sqft Gross Area
1st Floor Area	709 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	3,129 sqft (0.071 acres)
Garage Area	420 sqft

Exterior Amenities

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

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	899491
Street Address	2903 W 3RD ST
City	DULUTH
State	MN
Zip	55806-3334
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT: 0009 BLOCK:003 SERIAL #
Legal Subdivision	WALBANKS 3RD STREET REARRANGEMENT
Legal Block	3
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1020
Census Tract	2600

Owner

2903 W 3rd St, a residential property, is owned by a company that bought it in August 2017.

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

Owner of Record	Company Name on File
Mailing Address	4599 DATKA RD, DULUTH, MN 55803-9233
Owner Type	Company
Vesting	Company

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
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR
Aug 14, 2017	Warranty Deed, Transfer · Line of Credit FRANDSEN BK&TR
Aug 21, 2017	Warranty Deed, Transfer · Line of Credit FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2017 · Amount on File
Deed Sale	Aug 21, 2017 · Amount on File
Prior Sale	Sep 6, 2012 · Amount on File
Deed Document Number	20171315929
Prior Transfer Date	Jul 29, 2010
Prior Transfer Doc	0001144404
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2903 W 3RD ST, DULUTH, MN 55806-3334
Document Number	00T1029760
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2903 W 3RD ST DULUTH MN 558063334, DULUTH, MN 55806-3334

Mortgage

Document Number	00T1029760
Date	Oct 1, 2020
Instrument	T1029760

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 30, 2025

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2903 W 3RD ST, DULUTH, MN 55806-3334
Document Number	00A1392088
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2903 W 3RD ST DULUTH MN 558063334, DULUTH, MN 55806-3334

Mortgage

Document Number	00A1392088
Date	Oct 6, 2020
Instrument	A1392088

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 5, 2025

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 14, 2017
Property Address	2903 W 3RD ST, DULUTH, MN 55806-3334
Document Number	000T988567
Instrument Date	Jul 27, 2017
Instrument	T988567
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,373.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4599 DATKA RD DULUTH MN 558039233, DULUTH, MN 55803-9233

Mortgage

Document Number	T988568
Date	Aug 14, 2017
Instrument	T988568

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 13, 2022

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 21, 2017
Property Address	2903 W 3RD ST, DULUTH, MN 55806-3334
Document Number	00A1315929
Instrument Date	Jul 27, 2017
Instrument	A1315929
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,373.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4599 DATKA RD DULUTH MN 558039233, DULUTH, MN 55803-9233
Investor	Possibly a Property Investor

Mortgage

Document Number	A1315930
Date	Aug 21, 2017
Instrument	A1315930

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 20, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2903 W 3rd St was $2,244, up 12.2% 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	$2,244.00 (+12.2%)
2025	$2,000.00 (+6.84%)	$135,900 (+15.17%) Land $11,800 Building $124,100	$135,900 (+15.17%) Land $11,800 Building $124,100
2024	$1,872.00	$118,000 Land $14,200 Building $103,800	$118,000 Land $14,200 Building $103,800
2022		$98,000 Land $12,500 Building $85,500	$98,000 Land $12,500 Building $85,500

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

Flood

FEMA maps place 2903 W 3rd 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 2903 W 3rd 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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