3209 Chestnut St, Duluth, MN 55806 Property Records

St. Louis County property record for 3209 Chestnut St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 748 sqft · built 1927
Lot Size	0.116 acres (5,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Aug 2026)
Tax Bill	$2,250 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4570-00430`

Property Details

APN / Parcel Number

Primary APN	`010-4570-00430`
Alternative APNs	`1137887` `954414`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	748 sqft Gross Area
1st Floor Area	748 sqft
Basement Area	95 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	5,058 sqft (0.116 acres)
Garage Area	528 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	56 sqft
Deck Area	49 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	1137887
Street Address	3209 CHESTNUT ST
City	DULUTH
State	MN
Zip	55806-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 8 AND 9 BLK 5 SERIAL #
Legal Subdivision	WEST PARK DIV OF DULUTH
Legal Block	5
Legal Lot Number	7-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2004
Census Tract	2600

Owner

Source: St. Louis County records, as of September 14, 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	3209 CHESTNUT ST, DULUTH, MN 55806-1304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage REGENT FINANCIAL GROUP INC
Oct 3, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 24, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Oct 3, 2022 · Amount on Record
Deed Document Number	20261539423
Prior Transfer Date	Aug 24, 2022
Prior Transfer Doc	0001450570
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 27, 2026
Property Address	3209 CHESTNUT ST, DULUTH, MN 55806-1304
Document Number	0001539423
Instrument Date	Aug 18, 2026
Instrument	20261539423
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,658.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3209 CHESTNUT ST, DULUTH, MN 55806-1304

Mortgage

Document Number	0001539424,
Date	Aug 27, 2026
Instrument	20261539424

Lender

Name	REGENT FINANCIAL GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

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

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 3, 2022
Property Address	3209 CHESTNUT ST, DULUTH, MN 55806-1304
Document Number	0001453355
Instrument Date	Sep 29, 2022
Instrument	1453355
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	NOT AVAILABLE, PIONEER TITLE TWIN PORTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 CHESTNUT ST, DULUTH, MN 55806-1304

Mortgage

Document Number	0001453356
Date	Oct 3, 2022
Instrument	1453356

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2022
Property Address	3209 CHESTNUT ST, DULUTH, MN 55806-1304
Document Number	0001450570
Instrument Date	Jun 10, 2022
Instrument	1450570
Transaction Type	Transfer
Record Updated	Sep 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14245 FOUNTAIN HILLS CT NE, PRIOR LAKE, MN 55372-1285

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	$2,250.00 (+11.61%)
2025	$2,016.00 (+2.65%) Homeowner's exemption	$195,400 (+12.69%) Land $27,300 Building $168,100	$195,400 (+12.69%) Land $27,300 Building $168,100
2024	$1,964.00	$173,400 (+21%) Land $32,800 Building $140,600	$173,400 (+21%) Land $32,800 Building $140,600
2022		$143,300 Land $28,900 Building $114,400	$143,300 Land $28,900 Building $114,400

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

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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