3161 Vernon St, Duluth, MN 55806 Property Records

St. Louis County property record for 3161 Vernon St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2.5 ba · 2,432 sqft · built 1909
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (May 2026)
Tax Bill	$3,690 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4570-00230`

Property Details

APN / Parcel Number

Primary APN	`010-4570-00230`
Alternative APNs	`1057669` `1147705` `1163857` `1197342`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,432 sqft Gross Area
1st Floor Area	981 sqft
Basement Area	752 sqft
Finished Basement	752 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	3,750 sqft (0.086 acres)
Garage Area	460 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	132 sqft
Storage Building	20 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1197342
Street Address	3161 VERNON ST
City	DULUTH
State	MN
Zip	55806-1324
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT 7 AND WLY 1/2 OF LOT 8 SERIAL #
Legal Subdivision	WEST PARK DIV OF DULUTH
Legal Block	3
Legal Lot Number	7-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2013
Census Tract	2600

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	3161 VERNON ST, DULUTH, MN 55806-1324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Apr 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 10, 2018	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Apr 21, 2023 · Amount on Record
Deed Document Number	20261101461
Prior Transfer Date	Oct 25, 2001
Prior Transfer Doc	0000710611
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 13, 2026
Property Address	3161 VERNON ST, DULUTH, MN 55806-1324
Document Number	0001101461
Instrument Date	Apr 23, 2026
Instrument	2026.1101461
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96,657.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 VERNON ST, DULUTH, MN 55806-1324

Mortgage

Document Number	0001101462,
Date	May 13, 2026
Instrument	2026.1101462

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 21, 2023
Property Address	3161 VERNON ST, DULUTH, MN 55806-1324
Document Number	0001067657
Instrument Date	Apr 19, 2023
Instrument	1067657
Transaction Type	Transfer
Record Updated	May 12, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 VERNON ST, DULUTH, MN 55806-1324

Mortgage

Document Number	0001067658
Date	Apr 21, 2023
Instrument	1067658

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2018
Property Address	3161 VERNON ST, DULUTH, MN 55806-1324
Document Number	00A1002490
Instrument Date	Sep 5, 2018
Instrument	A1002490
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3161 VERNON ST DULUTH MN 558061324, DULUTH, MN 55806-1324

Mortgage

Document Number	1002491
Date	Sep 10, 2018
Instrument	1002491

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 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
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	$3,690.00 (+13.33%)
2025	$3,256.00 (+46.53%)	$224,900 (+16.41%) Land $14,100 Building $210,800	$224,900 (+16.41%) Land $14,100 Building $210,800
2024	$2,222.00	$193,200 (+71.89%) Land $17,000 Building $176,200	$193,200 (+71.89%) Land $17,000 Building $176,200
2022		$112,400 Land $14,900 Building $97,500	$112,400 Land $14,900 Building $97,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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