3116 Vernon St, Duluth, MN 55806 Property Records

St. Louis County property record for 3116 Vernon St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,216 sqft · built 1909
Lot Size	0.057 acres (2,494 sqft)
Owner	Individual Name on File
Tax Bill	$1,532 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-4570-01530`

Property Details

APN / Parcel Number

Primary APN	`010-4570-01530`
Alternative APN	`1098585`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,216 sqft Gross Area
1st Floor Area	806 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	2,494 sqft (0.057 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	54 sqft
Storage Building	49 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1098585
Street Address	3116 VERNON ST
City	DULUTH
State	MN
Zip	55806-1323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5, BLOCK 15 SERIAL #
Legal Subdivision	WEST PARK DIV OF DULUTH
Legal Block	15
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2015
Census Tract	2600

Owner

3116 Vernon St is owned and occupied by an individual who acquired it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3116 VERNON ST, DULUTH, MN 55806-1323
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

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST
Oct 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 28, 2020
Transfer Doc	0001030965
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3116 VERNON ST, DULUTH, MN 55806-1323
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036493
Date	Feb 12, 2021
Instrument	1036493

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	Prime Rate
Margin	5
Max Rate	10.2%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 23, 2020
Property Address	3116 VERNON ST, DULUTH, MN 55806-1323
Document Number	00T1030965
Instrument Date	Aug 28, 2020
Instrument	T1030965
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3116 VERNON ST DULUTH MN 558061323, DULUTH, MN 55806-1323

Tax Assessment & Valuation

The 2026 property tax bill for 3116 Vernon St was $1,532 with a homeowner's exemption, up 17.1% 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	$1,532.00 (+17.13%) Homeowner's exemption
2025	$1,308.00 (+1.71%) Homeowner's exemption	$145,800 (+16.27%) Land $9,400 Building $136,400	$145,800 (+16.27%) Land $9,400 Building $136,400
2024	$1,286.00	$125,400 Land $11,300 Building $114,100	$125,400 Land $11,300 Building $114,100
2022		$103,800 Land $9,900 Building $93,900	$103,800 Land $9,900 Building $93,900

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

Flood

FEMA maps place 3116 Vernon St in Zone X, an area of minimal flood risk.

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

The area around 3116 Vernon St has no burnable land within ember reach, so its wildfire risk is not rated.

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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