305 W Gary St, Duluth, MN 55808 Property Records

St. Louis County property record for 305 W Gary St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,385 sqft · built 1949
Lot Size	0.167 acres (7,310 sqft)
Owner	Company Name on Record
Last Sale	$156,000 (Apr 2014)
Tax Bill	$4,058 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-1800-05210`

Property Details

APN / Parcel Number

Primary APN	`010-1800-05210`
Alternative APN	`968116`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,385 sqft Gross Area
1st Floor Area	1,385 sqft
Basement Area	677 sqft
Finished Basement	677 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Lot Area	7,310 sqft (0.167 acres)
Garage Area	264 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	40 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	968116
Street Address	305 W GARY ST
City	DULUTH
State	MN
Zip	55808-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 25 26 AND 27 SERIAL #
Legal Subdivision	GARY FIRST DIV DULUTH
Legal Block	23
Legal Lot Number	25-26
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1009
Census Tract	3800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	305 W GARY ST, DULUTH, MN 55808-1742
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 24, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2014 · Amount on Record
Deed Sale	Apr 21, 2014 · Amount on Record
Prior Sale	Feb 13, 2003 · Amount on Record
Deed Document Number	2014943542
Last Transfer Date	Jun 7, 2024
Transfer Doc	0001081636
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 9, 2026
Property Address	305 W GARY ST, DULUTH, MN 55808-1742
Document Number	0001103396
Instrument Date	May 26, 2026
Instrument	20261103396
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	305 W GARY ST, DULUTH, MN 55808-1742

Mortgage

Document Number	0001103396,
Date	Jul 9, 2026
Instrument	20261103396

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W GARY ST, DULUTH, MN 55808-1742
Transaction Type	Mortgage
Record Updated	Jan 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001048627
Date	Oct 22, 2021
Instrument	1048627

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W GARY ST, DULUTH, MN 55808-1742
Document Number	00T1028909
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W GARY ST DULUTH MN 558081742, DULUTH, MN 55808-1742

Mortgage

Document Number	00T1028909
Date	Sep 14, 2020
Instrument	T1028909

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 13, 2045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W GARY ST, DULUTH, MN 55808-1742
Document Number	00T1021497
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W GARY ST DULUTH MN 558081742, DULUTH, MN 55808-1742

Mortgage

Document Number	00T1021497
Date	Mar 16, 2020
Instrument	T1021497

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Mar 15, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W GARY ST, DULUTH, MN 55808-1742
Document Number	0001009816
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W GARY ST DULUTH MN 558081742, DULUTH, MN 55808-1742

Mortgage

Document Number	0001009816
Date	Apr 24, 2019
Instrument	1009816

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W GARY ST, DULUTH, MN 55808-1742
Document Number	000T996725
Instrument Date	Mar 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W GARY ST DULUTH MN 558081742, DULUTH, MN 55808-1742

Mortgage

Document Number	000T996725
Date	Apr 9, 2018
Instrument	T996725

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

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	$4,058.00 (+14.57%) Homeowner's exemption
2025	$3,542.00 (-3.65%) Homeowner's exemption	$307,500 (+11.29%) Land $16,900 Building $290,600	$307,500 (+11.29%) Land $16,900 Building $290,600
2024	$3,676.00	$276,300 (+13.89%) Land $16,700 Building $259,600	$276,300 (+13.89%) Land $16,700 Building $259,600
2022		$242,600 Land $20,500 Building $222,100	$242,600 Land $20,500 Building $222,100

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	2 (2012–2014)
Most Recent Claim	Apr 2014 · river or lake 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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