2973 Whiteside Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 2973 Whiteside Rd, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,617 sqft · built 1930
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$145,980 (Apr 2016)
Tax Bill	$3,462 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`415-0010-02230`

Property Details

APN / Parcel Number

Primary APN	`415-0010-02230`
Alternative APN	`1038073`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,617 sqft Gross Area
1st Floor Area	840 sqft
Basement Area	583 sqft
Finished Basement	583 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	336 sqft

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	168 sqft
Storage Building	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1038073
Street Address	2973 WHITESIDE RD
City	DULUTH
State	MN
Zip	55804-9605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF E 1/2 OF NW 1/4 OF NE 1/4 SERIAL #
Legal Range	13W
Legal Township	51N
Legal Section	09
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2009
Census Tract	10500

Owner

Source: St. Louis County records · APN 415-0010-02230

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	2973 WHITESIDE RD, DULUTH, MN 55804-9605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 02, 2023	Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU
Feb 08, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FNDG
Sep 19, 2017	Grant Deed, Transfer · FHA Mortgage PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 28, 2016 · Amount on Record
Deed Sale	Apr 28, 2016 · Amount on Record
Prior Sale	Jan 26, 2012 · Amount on Record
Deed Document Number	20161283656
Prior Transfer Date	Apr 29, 2014
Prior Transfer Doc	00A1236885
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2973 WHITESIDE RD, DULUTH, MN 55804-9605
Transaction Type	Mortgage
Record Updated	Dec 08, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 WHITESIDE RD, DULUTH, MN 55804-9605

Mortgage

Document Number	0001477445
Date	Nov 02, 2023
Instrument	1477445

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Sep 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2973 WHITESIDE RD, DULUTH, MN 55804-9605
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001349775
Date	Feb 08, 2019
Instrument	1349775

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2973 WHITESIDE RD, DULUTH, MN 55804-9605
Document Number	00A1396217
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 09, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2973 WHITESIDE RD DULUTH MN 558049605, DULUTH, MN 55804-9605

Mortgage

Document Number	00A1396217
Date	Nov 17, 2020
Instrument	A1396217

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 19, 2017
Property Address	2973 WHITESIDE RD, DULUTH, MN 55804-9605
Document Number	00A1317736
Instrument Date	Sep 15, 2017
Instrument	A1317736
Transaction Type	Transfer
Record Updated	Oct 02, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2973 WHITESIDE RD DULUTH MN 558049605, DULUTH, MN 55804-9605

Mortgage

Document Number	A1317737
Date	Sep 19, 2017
Instrument	A1317737

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Lakewood Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,462.00 (+6.33%) Homeowner's exemption
2025	$3,256.00 (-1.21%) Homeowner's exemption	$326,000 (+8.2%) Land $113,400 Building $212,600	$326,000 (+8.2%) Land $113,400 Building $212,600
2024	$3,296.00	$301,300 (+1.62%) Land $104,700 Building $196,600	$301,300 (+1.62%) Land $104,700 Building $196,600
2022		$296,500 Land $99,900 Building $196,600	$296,500 Land $99,900 Building $196,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

2973 Whiteside Rd, Duluth, MN 55804 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Grant Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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