315 N Ugstad Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 315 N Ugstad Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,372 sqft · built 1957
Lot Size	0.184 acres (8,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Sep 2025)
Tax Bill	$4,866 (2026)
Deeds & Mortgages	Sep 2025 Sale Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-0083-00470`

Property Details

APN / Parcel Number

Primary APN	`185-0083-00470`
Alternative APNs	`1188503` `1153053` `891469`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,372 sqft Gross Area
1st Floor Area	1,372 sqft
Basement Area	764 sqft
Finished Basement	764 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,031 sqft (0.184 acres)
Garage Area	1,196 sqft
Deck Area	70 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1188503
Street Address	315 N UGSTAD RD
City	DULUTH
State	MN
Zip	55810-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 3 SERIAL #
Legal Subdivision	GLENDALE PROCTOR
Legal Block	3
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3018
Census Tract	10100

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	2 Individual Names on Record
Mailing Address	315 N UGSTAD RD, DULUTH, MN 55810-1827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
Aug 15, 2023	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Aug 15, 2023 · Amount on Record
Deed Document Number	20251094596
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 25, 2025
Property Address	315 N UGSTAD RD, DULUTH, MN 55810-1827
Document Number	0001094596
Instrument Date	Sep 18, 2025
Instrument	1094596
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Tax	$1,270.50
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
Relationship	Joint Tenants
Address	315 N UGSTAD RD, PROCTOR, MN 55810-1827

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 15, 2023
Property Address	315 N UGSTAD RD, DULUTH, MN 55810-1827
Document Number	0001071218
Instrument Date	Aug 4, 2023
Instrument	1071218
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
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
Relationship	Joint Tenants
Address	315 N UGSTAD RD, PROCTOR, MN 55810-1827

Mortgage

Document Number	0001071219
Date	Aug 15, 2023
Instrument	1071219

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	315 N UGSTAD RD, DULUTH, MN 55810-1827
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N UGSTAD RD, DULUTH, MN 55810-1827

Mortgage

Document Number	0001039777
Date	Apr 26, 2021
Instrument	1039777

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	May 15, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	315 N UGSTAD RD, DULUTH, MN 55810-1827
Document Number	00T1027266
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NORTH SHORE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	315 N UGSTAD RD DULUTH MN 558101827, DULUTH, MN 55810-1827

Mortgage

Document Number	00T1027266
Date	Aug 11, 2020
Instrument	T1027266

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2035

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,866.00 (+7.94%) Homeowner's exemption
2025	$4,508.00 (+25.36%) Homeowner's exemption	$376,600 (+13.64%) Land $17,700 Building $358,900	$376,600 (+13.64%) Land $17,700 Building $358,900
2024	$3,596.00 (+8.97%)	$331,400 (+48.34%) Land $16,300 Building $315,100	$331,400 (+48.34%) Land $16,300 Building $315,100
2023	$3,300.00 Homeowner's exemption
2022		$223,400 (+6.08%) Land $12,300 Building $211,100	$223,400 (+6.08%) Land $12,300 Building $211,100
2021		$210,600 Land $11,400 Building $199,200	$210,600 Land $11,400 Building $199,200

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	2 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

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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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