St. Louis County property record for 3195 Elm Rd, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1996 |
| Lot Size | 4.64 acres (202,456 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500 (Jan 2022) |
| Tax Bill | $4,108 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 415-0070-01860 |
| Primary APN | 415-0070-01860 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Gross Area |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 202,456 sqft (4.64 acres) |
| Garage Area | 1,200 sqft |
| Deck Area | 64 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1124120 |
|---|---|
| Street Address | 3195 ELM RD |
| City | DULUTH |
| State | MN |
| Zip | 55804-3003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 21, 22 & 23 SERIAL # |
| Legal Subdivision | EXETER FARMS 1ST DIV TOWN OF L |
| Legal Block | 7 |
| Legal Lot Number | 21-23 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | LAKEWOOD |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 10500 |
Source: St. Louis County records · APN 415-0070-01860
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3195 ELM RD, DULUTH, MN 55804-3003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 04, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Aug 08, 2019 | Deed of Trust, Mortgage · FHA Mortgage MAGNOLIA BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 04, 2022 · Amount on Record |
| Deed Sale | Jan 04, 2022 · Amount on Record |
| Deed Document Number | 20221051735 |
| Prior Transfer Date | Oct 09, 2021 |
| Prior Transfer Doc | 0001051735 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 04, 2022 |
| Property Address | 3195 ELM RD, DULUTH, MN 55804-3003 |
| Document Number | 0001051735 |
| Instrument Date | Oct 09, 2021 |
| Instrument | 1051735 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Title Company | TITLE CLEARING AND ESCROW, TITLE CLEARING & ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3195 ELM RD, DULUTH, MN 55804-3003 |
| Document Number | 0001051736 |
|---|---|
| Date | Jan 04, 2022 |
| Instrument | 1051736 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Nov 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3195 ELM RD, DULUTH, MN 55804-3003 |
| Document Number | 00T1013562 |
| Instrument Date | Aug 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3195 ELM RD DULUTH MN 558043003, DULUTH, MN 55804-3003 |
| Document Number | 00T1013562 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | T1013562 |
| Name | MAGNOLIA BK |
|---|---|
| Type | Bank |
| Address | CAMPBELLSVILLE, KY 42718 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2049 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Lakewood Township |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,108.00 (+12.18%) Homeowner's exemption | ||
| 2025 | $3,662.00 (-0.87%) Homeowner's exemption | $379,300 (+13.46%) Land $100,500 Building $278,800 | $379,300 (+13.46%) Land $100,500 Building $278,800 |
| 2024 | $3,694.00 | $334,300 (+11.17%) Land $92,500 Building $241,800 | $334,300 (+11.17%) Land $92,500 Building $241,800 |
| 2022 | $300,700 Land $84,600 Building $216,100 | $300,700 Land $84,600 Building $216,100 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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