3203 Vernon St, Duluth, MN 55806 Property Records

St. Louis County property record for 3203 Vernon St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1966
Lot Size	0.114 acres (4,996 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2022)
Tax Bill	$2,250 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0330-00460`

Property Details

APN / Parcel Number

Primary APN	`010-0330-00460`
Alternative APN	`1119838`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	648 sqft
Finished Basement	648 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	4,996 sqft (0.114 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	25 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1119838
Street Address	3203 VERNON ST
City	DULUTH
State	MN
Zip	55806-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 4 SERIAL #
Legal Subdivision	BRYANT ADD TO DULUTH FIRST DIV
Legal Block	4
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2013
Census Tract	2600

Owner

3203 Vernon St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3203 VERNON ST, DULUTH, MN 55806-1324
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU
Jul 7, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2022 · Amount on File
Deed Sale	Apr 13, 2022 · Amount on File
Prior Sale	Nov 12, 2013 · Amount on File
Deed Document Number	20221055494
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 13, 2022
Property Address	3203 VERNON ST, DULUTH, MN 55806-1324
Document Number	0001055494
Instrument Date	Oct 8, 2021
Instrument	1055494
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 VERNON ST, DULUTH, MN 55806-1324

Mortgage

Document Number	0001055495
Date	Apr 13, 2022
Instrument	1055495

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Sep 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2017
Property Address	3203 VERNON ST, DULUTH, MN 55806-1324
Document Number	000T986906
Instrument Date	Jun 30, 2017
Instrument	T986906
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3203 VERNON ST DULUTH MN 558061324, DULUTH, MN 55806-1324

Mortgage

Document Number	T986907
Date	Jul 7, 2017
Instrument	T986907

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3203 Vernon St was $2,250 with a homeowner's exemption, up 14.1% from the year before.

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	$2,250.00 (+14.1%) Homeowner's exemption
2025	$1,972.00 (+3.03%) Homeowner's exemption	$195,600 (+14.79%) Land $18,800 Building $176,800	$195,600 (+14.79%) Land $18,800 Building $176,800
2024	$1,914.00	$170,400 Land $22,600 Building $147,800	$170,400 Land $22,600 Building $147,800
2022		$141,700 Land $19,900 Building $121,800	$141,700 Land $19,900 Building $121,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3203 Vernon St in Zone X, an area of minimal flood risk.

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

The area around 3203 Vernon St has no burnable land within ember reach, so its wildfire risk is not rated.

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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