3094 Spring Lake Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3094 Spring Lake Rd, Duluth, MN 55803

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 ba · 480 sqft · built 1955
Lot Size	0.549 acres (23,929 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Nov 2011)
Tax Bill	$1,274 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`488-0400-00130`

Property Details

APN / Parcel Number

Primary APN	`488-0400-00130`
Alternative APNs	`1075223` `1153653`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	480 sqft Gross Area
1st Floor Area	480 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	23,929 sqft (0.549 acres)

Exterior Amenities

Porch	Patio
Porch Area	288 sqft
Deck Area	192 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1153653
Street Address	3094 SPRING LAKE RD
City	DULUTH
State	MN
Zip	55803
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	RES
Legal Description	LOT 13 BLOCK 1 AND AN UNDIVIDED 1/16INTEREST IN OUTLOT A SERIAL #
Legal Subdivision	SPRING LAKE HOMESITES
Legal Block	1
Legal Lot Number	13
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORTH STAR
Census Block Group	1
Census Block	1060
Census Tract	10601

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	9871 IVES LN N, MAPLE GROVE, MN 55369-3245
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Aug 6, 2019	Quit Claim Deed, Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2011 · Amount on Record
Deed Sale	Nov 10, 2011 · Amount on Record
Prior Sale	Jan 10, 2002 · Amount on Record
Deed Document Number	201173508
Last Transfer Date	Jun 25, 2019
Transfer Doc	0001360095
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3094 SPRING LAKE RD, DULUTH, MN 55803
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001473197
Date	Aug 31, 2023
Instrument	1473197

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	11%

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 6, 2019
Property Address	3094 SPRING LAKE RD, DULUTH, MN 55803
Document Number	00A1360095
Instrument Date	Jun 25, 2019
Instrument	A1360095
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3094 SPRING LAKE RD DULUTH MN 55803, DULUTH, MN 55803

Mortgage

Document Number	A1360096
Date	Aug 6, 2019
Instrument	A1360096

Lender

Name	SPIRE CU
Address	FALCON HEIGHTS, MN 55113

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 5, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,274.00 (+7.6%)
2025	$1,184.00 (-2.79%)	$150,700 (+32.54%) Land $94,000 Building $56,700	$150,700 (+32.54%) Land $94,000 Building $56,700
2024	$1,218.00	$113,700 (+5.18%) Land $70,900 Building $42,800	$113,700 (+5.18%) Land $70,900 Building $42,800
2022		$108,100 Land $67,400 Building $40,700	$108,100 Land $67,400 Building $40,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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