302 12th St, Duluth, MN 55810 Property Records

St. Louis County property record for 302 12th St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,144 sqft · built 1977
Lot Size	0.071 acres (3,128 sqft)
Owner	Individual Name on Record
Tax Bill	$3,298 (2026)
Deeds & Mortgages	Jun 2026 Transfer Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0210-00340`

Property Details

APN / Parcel Number

Primary APN	`185-0210-00340`
Alternative APN	`64591`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,144 sqft Gross Area
1st Floor Area	1,144 sqft
Basement Area	572 sqft
Finished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,128 sqft (0.071 acres)
Garage Area	384 sqft
Deck Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	64591
Street Address	302 12TH ST
City	DULUTH
State	MN
Zip	55810-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7, 8 AND 9, BLOCK 2 SERIAL #
Legal Subdivision	PROCTOR HEIGHTS
Legal Block	2
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	1
Census Block	1006
Census Tract	10100

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	302 12TH ST, DULUTH, MN 55810-1235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jul 26, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jul 26, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 17, 2026
Transfer Doc	0001102798
Record Updated	Sep 20, 2026

June 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 24, 2026
Property Address	302 12TH ST, DULUTH, MN 55810-1235
Document Number	0001102798
Instrument Date	Jun 17, 2026
Instrument	20261102798
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 12TH ST, DULUTH, MN 55810-1235

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	302 12TH ST, DULUTH, MN 55810-1235
Document Number	000T988052
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 12TH ST PROCTOR MN 558101235, PROCTOR, MN 55810-1235

Mortgage

Document Number	000T988052
Date	Aug 2, 2017
Instrument	T988052

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.59%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	302 12TH ST, DULUTH, MN 55810-1235
Document Number	000T988053
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 12TH ST PROCTOR MN 558101235, PROCTOR, MN 55810-1235

Mortgage

Document Number	000T988053
Date	Aug 2, 2017
Instrument	T988053

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.59%

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,298.00 (+0.12%) Homeowner's exemption
2025	$3,294.00 (+13.59%) Homeowner's exemption	$251,400 (-1.53%) Land $22,600 Building $228,800	$251,400 (-1.53%) Land $22,600 Building $228,800
2024	$2,900.00	$255,300 (+36.67%) Land $18,800 Building $236,500	$255,300 (+36.67%) Land $18,800 Building $236,500
2022		$186,800 Land $5,200 Building $181,600	$186,800 Land $5,200 Building $181,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1978–2012)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Airfiber Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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