3221 Minnesota Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 3221 Minnesota Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,235 sqft · built 1941
Lot Size	0.091 acres (4,001 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Aug 2015)
Tax Bill	$5,192 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3110-01420`

Property Details

APN / Parcel Number

Primary APN	`010-3110-01420`
Alternative APN	`1129657`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,235 sqft Gross Area
1st Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	4,001 sqft (0.091 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	12 sqft
Deck Area	228 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1129657
Street Address	3221 MINNESOTA AVE
City	DULUTH
State	MN
Zip	55802-2533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0271 BLOCK:000 SERIAL #
Legal Subdivision	LOWER DULUTH MINNESOTA AVE
Legal Lot Number	271
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1006
Census Tract	2200

Owner

Source: St. Louis County records, as of August 19, 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	3221 MINNESOTA AVE, DULUTH, MN 55802-2533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Mar 24, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2015 · Amount on Record
Deed Sale	Aug 25, 2015 · Amount on Record
Prior Sale	Aug 25, 2015 · Amount on Record
Deed Document Number	20151268225
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3221 MINNESOTA AVE, DULUTH, MN 55802-2533
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 MINNESOTA AVE, DULUTH, MN 55802-2533

Mortgage

Document Number	0001096824
Date	Dec 4, 2025
Instrument	1096824

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 24, 2022
Property Address	3221 MINNESOTA AVE, DULUTH, MN 55802-2533
Document Number	0001054751
Instrument Date	Mar 3, 2022
Instrument	1054751
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	ACUITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15815 FRANKLIN TRL SE STE 309, 15815, PRIOR LAKE, MN 55372-2081

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15815 FRANKLIN TRL SE STE 309, 309, PRIOR LAKE, MN 55372-2081

Mortgage

Document Number	0001054752
Date	Mar 24, 2022
Instrument	1054752

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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	$5,192.00 (-4.35%) Homeowner's exemption
2025	$5,428.00 (+6.6%) Homeowner's exemption	$398,200 (-1.63%) Land $139,000 Building $259,200	$398,200 (-1.63%) Land $139,000 Building $259,200
2024	$5,092.00	$404,800 (+31.05%) Land $213,300 Building $191,500	$404,800 (+31.05%) Land $213,300 Building $191,500
2022		$308,900 Land $103,200 Building $205,700	$308,900 Land $103,200 Building $205,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1986–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 claims

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.

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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