3124 Vernon St, Duluth, MN 55806 Property Records

St. Louis County property record for 3124 Vernon St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,001 sqft · built 1918
Lot Size	0.057 acres (2,503 sqft)
Owner	Company Name on File
Last Sale	$23,400 (Jan 2008)
Tax Bill	$1,314 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4570-01480`

Property Details

APN / Parcel Number

Primary APN	`010-4570-01480`
Alternative APN	`1115798`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,001 sqft Gross Area
1st Floor Area	572 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	2,503 sqft (0.057 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	126 sqft
Deck Area	20 sqft
Storage Building	153 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1115798
Street Address	3124 VERNON ST
City	DULUTH
State	MN
Zip	55806-1323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 1/2 OF LOTS 1 AND 2 SERIAL #
Legal Subdivision	WEST PARK DIV OF DULUTH
Legal Block	15
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2015
Census Tract	2600

Owner

3124 Vernon St is owned by a company that bought it in January 2008 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	3124 VERNON ST, DULUTH, MN 55806-1323
Occupancy	Owner Occupied
Owner Type	Company

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
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 7, 2021	Deed of Trust, Mortgage · Balloon Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2008 · Amount on File
Deed Sale	Jan 11, 2008 · Amount on File
Deed Document Number	2008847654
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3124 VERNON ST, DULUTH, MN 55806-1323
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	ARROW ABSTRACT, ARROWHEAD ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001098441
Date	Jan 22, 2026
Instrument	1098441

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Government Agency
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Jan 1, 2032

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3124 VERNON ST, DULUTH, MN 55806-1323
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001046360
Date	Sep 7, 2021
Instrument	1046360

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3124 VERNON ST, DULUTH, MN 55806-1323
Transaction Type	Mortgage
Record Updated	Oct 1, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001046361
Date	Sep 7, 2021
Instrument	1046361

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3124 Vernon St was $1,314 with a homeowner's exemption, down 44.2% 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	$1,314.00 (-44.23%) Homeowner's exemption
2025	$2,356.00 (+11.87%)	$163,400 (+16.71%) Land $9,300 Building $154,100	$163,400 (+16.71%) Land $9,300 Building $154,100
2024	$2,106.00	$140,000 Land $11,200 Building $128,800	$140,000 Land $11,200 Building $128,800
2022		$116,000 Land $9,800 Building $106,200	$116,000 Land $9,800 Building $106,200

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

Flood

FEMA maps place 3124 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 3124 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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