323 Aspen Ln, Duluth, MN 55804 Property Records

St. Louis County property record for 323 Aspen Ln, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.25 ba · 2,550 sqft · built 1987
Lot Size	0.403 acres (17,583 sqft)
Owner	Individual Name on Record
Last Sale	$482,500 (Jul 2016)
Tax Bill	$9,900 (2026)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2167-00240`

Property Details

APN / Parcel Number

Primary APN	`010-2167-00240`
Alternative APN	`1012895`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,550 sqft Gross Area
1st Floor Area	1,443 sqft
Basement Area	863 sqft
Finished Basement	863 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	17,583 sqft (0.403 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	50 sqft
Deck Area	78 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1012895
Street Address	323 ASPEN LN
City	DULUTH
State	MN
Zip	55804-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0024 BLOCK:000 SERIAL #
Legal Subdivision	HIDDEN VALLEY DIV DULUTH
Legal Lot Number	24
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	700

Owner

Source: St. Louis County records, as of August 17, 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	323 ASPEN LN, DULUTH, MN 55804-1705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2016 · Amount on Record
Deed Sale	Jul 19, 2016 · Amount on Record
Prior Sale	Jun 8, 2009 · Amount on Record
Deed Document Number	2016973390
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	323 ASPEN LN, DULUTH, MN 55804-1705
Document Number	00T1027100
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 ASPEN LN DULUTH MN 558041705, DULUTH, MN 55804-1705

Mortgage

Document Number	00T1027100
Date	Aug 7, 2020
Instrument	T1027100

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 6, 2045

Interest

Rate Type	Adjustable Rate

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	$9,900.00 (+4.76%) Homeowner's exemption
2025	$9,450.00 (+14.99%) Homeowner's exemption	$696,400 (+6.22%) Land $79,400 Building $617,000	$696,400 (+6.22%) Land $79,400 Building $617,000
2024	$8,218.00	$655,600 (+24.24%) Land $74,100 Building $581,500	$655,600 (+24.24%) Land $74,100 Building $581,500
2022		$527,700 Land $51,600 Building $476,100	$527,700 Land $51,600 Building $476,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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