2907 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2907 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 2 ba · 2,372 sqft · built 1909
Lot Size	0.071 acres (3,129 sqft)
Owner	Individual Name on Record
Last Sale	$91,000 (Dec 2017)
Tax Bill	$1,676 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4440-00370`

Property Details

APN / Parcel Number

Primary APN	`010-4440-00370`
Alternative APN	`1043793`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,372 sqft Gross Area
1st Floor Area	956 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	3,129 sqft (0.071 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	104 sqft
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gravity Furnace
Heating Fuel	Oil

Location & Zoning

Account Number	1043793
Street Address	2907 W 3RD ST
City	DULUTH
State	MN
Zip	55806-3336
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT: 0007 BLOCK:003 SERIAL #
Legal Subdivision	WALBANKS 3RD STREET REARRANGEM
Legal Block	3
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1020
Census Tract	2600

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	2907 W 3RD ST, DULUTH, MN 55806-3336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Dec 21, 2017	Affidavit of Death, Transfer NORTH SHORE TITLE
Dec 21, 2017	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Apr 3, 2001 · Amount on Record
Deed Document Number	20171324580
Prior Transfer Date	Dec 19, 2017
Prior Transfer Doc	00A1324578
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2907 W 3RD ST, DULUTH, MN 55806-3336
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2907 W 3RD ST, DULUTH, MN 55806-3336

Mortgage

Document Number	0001446227
Date	Jun 27, 2022
Instrument	1446227

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	58 Months
Due	Apr 28, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Dec 21, 2017
Property Address	2907 W 3RD ST, DULUTH, MN 55806-3336
Document Number	00A1324578
Instrument Date	Dec 19, 2017
Instrument	A1324578
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NORTH SHORE TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 21, 2017
Property Address	2907 W 3RD ST, DULUTH, MN 55806-3336
Document Number	00A1324580
Instrument Date	Dec 19, 2017
Instrument	A1324580
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2907 W 3RD ST DULUTH MN 558063336, DULUTH, MN 55806-3336

Mortgage

Document Number	A1324581
Date	Dec 21, 2017
Instrument	A1324581

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

Mortgage

Document Number	A1324582,
Date	Dec 21, 2017
Instrument	A1324582

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

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	$1,676.00 (-26.23%) Homeowner's exemption
2025	$2,272.00 (+6.87%)	$155,500 (+15.79%) Land $11,800 Building $143,700	$155,500 (+15.79%) Land $11,800 Building $143,700
2024	$2,126.00	$134,300 (+20.45%) Land $14,200 Building $120,100	$134,300 (+20.45%) Land $14,200 Building $120,100
2022		$111,500 Land $12,500 Building $99,000	$111,500 Land $12,500 Building $99,000

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	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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