312 W Rainbow St, Duluth, MN 55811 Property Records

St. Louis County property record for 312 W Rainbow St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,290 sqft · built 1976
Lot Size	0.22 acres (9,582 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Sep 2026)
Tax Bill	$3,924 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0264-00350`

Property Details

APN / Parcel Number

Primary APN	`010-0264-00350`
Alternative APN	`1121780`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,290 sqft Gross Area
Gross Area	1,300 sqft
1st Floor Area	1,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Lot Area	9,582 sqft (0.22 acres)
Garage Area	624 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	50 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	1121780
Street Address	312 W RAINBOW ST
City	DULUTH
State	MN
Zip	55811-2046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0003 BLOCK:002 SERIAL #
Legal Subdivision	BIRCH HILL DIV DULUTH
Legal Block	2
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1069
Census Tract	302

Owner

312 W Rainbow St is owned and occupied by two individuals who bought it in September 2026.

Source: St. Louis County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	312 W RAINBOW ST, DULUTH, MN 55811-2046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 1, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Dec 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS COMMUNITY FEDERAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Dec 1, 2021 · Amount on File
Deed Document Number	20261105476
Prior Transfer Date	Dec 1, 2004
Prior Transfer Doc	0000789488
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 1, 2026
Property Address	312 W RAINBOW ST, DULUTH, MN 55811-2046
Document Number	0001105476
Instrument Date	Aug 24, 2026
Instrument	20261105476
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139,986.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	312 W RAINBOW ST, DULUTH, MN 55811-2046

Mortgage

Document Number	0001105477,
Date	Sep 1, 2026
Instrument	20261105477

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 1, 2021
Property Address	312 W RAINBOW ST, DULUTH, MN 55811-2046
Document Number	0001050181
Instrument Date	Nov 15, 2021
Instrument	1050181
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,105.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 W RAINBOW ST, DULUTH, MN 55811-2046

Mortgage

Document Number	0001050182
Date	Dec 1, 2021
Instrument	1050182

Lender

Name	CITIZENS COMMUNITY FEDERAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 312 W Rainbow St was $3,924 with a homeowner's exemption, up 9.9% 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	$3,924.00 (+9.85%) Homeowner's exemption
2025	$3,572.00 (-12.75%) Homeowner's exemption	$336,000 (+21.04%) Land $46,900 Building $289,100	$336,000 (+21.04%) Land $46,900 Building $289,100
2024	$4,094.00	$277,600 Land $38,900 Building $238,700	$277,600 Land $38,900 Building $238,700
2022		$257,100 Land $37,300 Building $219,800	$257,100 Land $37,300 Building $219,800

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

Flood

FEMA maps place 312 W Rainbow St in Zone X, an area of minimal flood risk.

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

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 312 W Rainbow 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 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.

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 236 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

May also be available: Verizon.

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