3109 Restormel St, Duluth, MN 55806 Property Records

St. Louis County property record for 3109 Restormel St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,118 sqft · built 1912
Lot Size	0.063 acres (2,746 sqft)
Owner	Individual Name on Record
Last Sale	$62,000 (Mar 2013)
Tax Bill	$1,486 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4570-00040`

Property Details

APN / Parcel Number

Primary APN	`010-4570-00040`
Alternative APN	`947680`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,118 sqft Gross Area
1st Floor Area	642 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	2,746 sqft (0.063 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	69 sqft
Deck Area	54 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	947680
Street Address	3109 RESTORMEL ST
City	DULUTH
State	MN
Zip	55806-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:001 SERIAL #
Legal Subdivision	WEST PARK DIVISION
Legal Block	1
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	2600

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	3109 RESTORMEL ST, DULUTH, MN 55806-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUPERIOR CHOICE CU
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2013 · Amount on Record
Deed Sale	Mar 14, 2013 · Amount on Record
Prior Sale	Feb 22, 2005 · Amount on Record
Deed Document Number	2013928147
Prior Transfer Date	Mar 1, 2013
Prior Transfer Doc	000T928146
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3109 RESTORMEL ST, DULUTH, MN 55806-1320
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001074477
Date	Nov 16, 2023
Instrument	1074477

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3109 RESTORMEL ST, DULUTH, MN 55806-1320
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001047472
Date	Sep 29, 2021
Instrument	1047472

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	9.12%

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	$1,486.00 (+17.01%) Homeowner's exemption
2025	$1,270.00 (+1.44%) Homeowner's exemption	$137,800 (+12.21%) Land $10,300 Building $127,500	$137,800 (+12.21%) Land $10,300 Building $127,500
2024	$1,252.00	$122,800 (+26.73%) Land $12,400 Building $110,400	$122,800 (+26.73%) Land $12,400 Building $110,400
2022		$96,900 Land $10,900 Building $86,000	$96,900 Land $10,900 Building $86,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 309 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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