St. Louis County property record for 321 W Heard St, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,465 sqft · built 1994 |
| Lot Size | 0.087 acres (3,798 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Mar 2002) |
| Tax Bill | $1,584 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2260-07740 |
| Primary APN | 010-2260-07740 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,465 sqft Gross Area |
| 1st Floor Area | 1,465 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 3,798 sqft (0.087 acres) |
| Garage Area | 720 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Deck Area | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1126601 |
|---|---|
| Street Address | 321 W HEARD ST |
| City | DULUTH |
| State | MN |
| Zip | 55808-2050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0013 BLOCK:100 SERIAL # |
| Legal Subdivision | HOME PARK DIVISION OF NEW DULUTH |
| Legal Block | 100 |
| Legal Lot Number | 13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 3800 |
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 321 W HEARD ST, DULUTH, MN 55808-2050 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2002 · Amount on Record |
| Deed Sale | Mar 22, 2002 · Amount on Record |
| Prior Sale | Mar 22, 2002 · Amount on Record |
| Deed Document Number | 2002850337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 321 W HEARD ST, DULUTH, MN 55808-2050 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0001053880 |
|---|---|
| Date | Mar 2, 2022 |
| Instrument | 1053880 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2052 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,584.00 (+20.36%) Homeowner's exemption Disabled Person's exemption | ||
| 2025 | $1,316.00 (-7.32%) Homeowner's exemption Disabled Person's exemption | $153,900 (+11.2%) Land $8,800 Building $145,100 | $153,900 (+11.2%) Land $8,800 Building $145,100 |
| 2024 | $1,420.00 | $138,400 (-46.63%) Land $8,700 Building $129,700 | $138,400 (-46.63%) Land $8,700 Building $129,700 |
| 2022 | $259,300 Land $9,800 Building $249,500 | $259,300 Land $9,800 Building $249,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 22 (1979–2012) |
| Claims Outside the SFHA | 5 of 22 |
| Most Recent Claim | Jun 2012 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 372 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Airfiber.
5G (outdoors only) and 4G LTE
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