315 Plum St, Duluth, MN 55811 Property Records

St. Louis County property record for 315 Plum St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1960
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (May 2013)
Tax Bill	$3,918 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4265-00170`

Property Details

APN / Parcel Number

Primary APN	`010-4265-00170`
Alternative APN	`981779`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,080 sqft Gross Area
1st Floor Area	1,080 sqft
Basement Area	531 sqft
Finished Basement	531 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	9,845 sqft (0.226 acres)
Garage Area	352 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	40 sqft
Patio Area	58 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	981779
Street Address	315 PLUM ST
City	DULUTH
State	MN
Zip	55811-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0017 BLOCK:000 SERIAL #
Legal Subdivision	SUMMIT TERRACE ADDITION TO DULUTH
Legal Lot Number	17
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2000
Census Tract	900

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	Individual Name on Record
Mailing Address	315 PLUM ST, DULUTH, MN 55811-2731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2013 · Amount on Record
Deed Sale	May 1, 2013 · Amount on Record
Prior Sale	Nov 22, 2010
Deed Document Number	2013930128
Last Transfer Date	Dec 19, 2014
Transfer Doc	000T952459
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	315 PLUM ST, DULUTH, MN 55811-2731
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044632
Date	Aug 3, 2021
Instrument	1044632

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	315 PLUM ST, DULUTH, MN 55811-2731
Document Number	000T997590
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	May 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 PLUM ST DULUTH MN 558112731, DULUTH, MN 55811-2731

Mortgage

Document Number	000T997590
Date	May 3, 2018
Instrument	T997590

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 2, 2038

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,918.00 (+11.31%) Homeowner's exemption
2025	$3,520.00 (-2.22%) Homeowner's exemption	$301,800 (+9.55%) Land $49,500 Building $252,300	$301,800 (+9.55%) Land $49,500 Building $252,300
2024	$3,600.00	$275,500 (+11.86%) Land $52,400 Building $223,100	$275,500 (+11.86%) Land $52,400 Building $223,100
2022		$246,300 Land $48,800 Building $197,500	$246,300 Land $48,800 Building $197,500

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 Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 341 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

May also be available: AT&T, T-Mobile.

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