306 W Buffalo St, Duluth, MN 55811 Property Records

St. Louis County property record for 306 W Buffalo St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.25 ba · 2,154 sqft · built 2006
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on File
Last Sale	$479,500 (Nov 2023)
Tax Bill	$8,018 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3410-04320`

Property Details

APN / Parcel Number

Primary APN	`010-3410-04320`
Alternative APNs	`1167430` `89295`

Interior

Bedrooms	5 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,154 sqft Gross Area
1st Floor Area	1,658 sqft
Basement Area	829 sqft
Finished Basement	829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,375 sqft (0.215 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	91 sqft
Deck Area	192 sqft
Storage Building	35 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1167430
Street Address	306 W BUFFALO ST
City	DULUTH
State	MN
Zip	55811-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2 3 & 4 SERIAL #
Legal Subdivision	MYERS & WHIPPLES ADDITION TO DULUTH
Legal Block	27
Legal Lot Number	2-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	400

Owner

306 W Buffalo St is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	306 W BUFFALO ST, DULUTH, MN 55811-2308
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Prior Sale	Sep 13, 2006 · Amount on File
Deed Document Number	20231074802
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 29, 2023
Property Address	306 W BUFFALO ST, DULUTH, MN 55811-2308
Document Number	0001074802
Instrument Date	Nov 15, 2023
Instrument	1074802
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.35
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	306 W BUFFALO ST, DULUTH, MN 55811-2308

Mortgage

Document Number	0001074803
Date	Nov 29, 2023
Instrument	1074803

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	4.4%
Max Rate At Change	8.4%
Index	1-Year T-Bill
Max Rate	11.4%

Tax Assessment & Valuation

The 2026 property tax bill for 306 W Buffalo St was $8,018 with a homeowner's exemption, up 10.8% 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	$8,018.00 (+10.78%) Homeowner's exemption
2025	$7,238.00 Homeowner's exemption	$580,900 (+11.03%) Land $34,900 Building $546,000	$580,900 (+11.03%) Land $34,900 Building $546,000
2024		$523,200 Land $32,300 Building $490,900	$523,200 Land $32,300 Building $490,900
2023	$6,524.00 Homeowner's exemption
2022		$435,100 Land $38,000 Building $397,100	$435,100 Land $38,000 Building $397,100

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

Flood

FEMA maps place 306 W Buffalo St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 306 W Buffalo St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 111 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
AT&T Fixed Wireless	100 / 20