3128 Zimmerman Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3128 Zimmerman Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,066 sqft · built 2016
Lot Size	34.1 acres (1,488,881 sqft)
Owner	Individual Name on File
Tax Bill	$7,698 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`415-0010-00900`

Property Details

APN / Parcel Number

Primary APN	`415-0010-00900`
Alternative APN	`1047163`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,066 sqft Gross Area
1st Floor Area	3,472 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Metal
Lot Area	1,488,881 sqft (34.1 acres)
Garage Area	3,248 sqft

Exterior Amenities

Porch	Slab
Porch Area	504 sqft
Deck Area	350 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1047163
Street Address	3128 ZIMMERMAN RD
City	DULUTH
State	MN
Zip	55804-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	NW1/4 OF NW1/4 EXCEPT BEGINNING AT THEINTERSECTION OF THE SOUTHERLY RIGHT OF WAY OFLISMORE ROAD AND EASTERLY RIGHT OF WAY
Legal Range	13W
Legal Township	51N
Legal Section	04
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2005
Census Tract	10500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3128 ZIMMERMAN RD, DULUTH, MN 55804-9719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Deed of Trust, Mortgage · Commercial Mortgage FRANDSEN BANK & TRUST
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit FRANDSEN BANK & TRUST
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BK&TR
Apr 17, 2018	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK
Feb 28, 2018	Deed of Trust, Mortgage REPUBLICBANKAZ NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 10, 2015
Transfer Doc	0001274374
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3128 ZIMMERMAN RD, DULUTH, MN 55804-9719
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001467777
Date	Jun 8, 2023
Instrument	1467777

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	2 Months
Due	Aug 17, 2023

Interest

Rate Type	Adjustable Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3128 ZIMMERMAN RD, DULUTH, MN 55804-9719
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001455096
Date	Oct 27, 2022
Instrument	1455096

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	EAST GRAND FORKS, MN 56721

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3128 ZIMMERMAN RD, DULUTH, MN 55804-9719
Document Number	00A1383974
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3128 ZIMMERMAN RD DULUTH MN 558049719, DULUTH, MN 55804-9719

Mortgage

Document Number	00A1383974
Date	Jun 30, 2020
Instrument	A1383974

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3128 ZIMMERMAN RD, DULUTH, MN 55804-9719
Document Number	00A1331690
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	May 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3128 ZIMMERMAN RD DULUTH MN 558049719, DULUTH, MN 55804-9719

Mortgage

Document Number	00A1331690
Date	Apr 26, 2018
Instrument	A1331690

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 25, 2023

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3128 ZIMMERMAN RD, DULUTH, MN 55804-9719
Document Number	00A1328751
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3128 ZIMMERMAN RD DULUTH MN 558049719, DULUTH, MN 55804-9719

Mortgage

Document Number	00A1328751
Date	Mar 5, 2018
Instrument	A1328751

Lender

Name	REPUBLICBANKAZ NA
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2048

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	Lakewood Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,698.00 (+6.92%) Homeowner's exemption
2025	$7,200.00 (-3.46%) Homeowner's exemption	$679,200 (+8.41%) Land $173,600 Building $505,600	$679,200 (+8.41%) Land $173,600 Building $505,600
2024	$7,458.00	$626,500 (-3.21%) Land $158,900 Building $467,600	$626,500 (-3.21%) Land $158,900 Building $467,600
2022		$647,300 Land $151,500 Building $495,800	$647,300 Land $151,500 Building $495,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 2 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	60 / 5

May also be available: Mediacom Xtream, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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