St. Louis County property record for 327 Howard Gnesen Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,750 sqft · built 1947 |
| Lot Size | 5.85 acres (254,826 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Sep 2014) |
| Tax Bill | $5,306 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2710-00559 |
| Primary APN | 010-2710-00559 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,750 sqft Gross Area |
| 1st Floor Area | 1,015 sqft |
| Basement Area | 490 sqft |
| Finished Basement | 490 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 254,826 sqft (5.85 acres) |
| Garage Area | 1,288 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Patio |
| Porch Area | 400 sqft |
| Deck Area | 35 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 975794 |
|---|---|
| Street Address | 327 HOWARD GNESEN RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-1657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 257 FT OF THAT PART OF SW 1/4 OF SW1/4 LYING W OF HOWARD GNESEN ROAD SERIAL # |
| Legal Range | 14W |
| Legal Township | 50N |
| Legal Section | 03 |
| Legal Subdivision | DULUTH LANDS IN THE CITY |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 400 |
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 | 327 HOWARD GNESEN RD, DULUTH, MN 55811-1657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2014 · Amount on Record |
| Deed Sale | Sep 18, 2014 · Amount on Record |
| Prior Sale | Nov 5, 2004 · Amount on Record |
| Deed Document Number | 2014949037 |
| Prior Transfer Date | Aug 30, 2004 |
| Prior Transfer Doc | 0000784724 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 5, 2026 |
| Property Address | 327 HOWARD GNESEN RD, DULUTH, MN 55811-1657 |
| Document Number | 0001101186 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20261101186 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 327 HOWARD GNESEN RD, DULUTH, MN 55811-1657 |
| Document Number | 0001101186, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 20261101186 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 20, 2031 |
| Rate | 7.5% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 327 HOWARD GNESEN RD, DULUTH, MN 55811-1657 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001043618 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 1043618 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
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 | $5,306.00 (+13.72%) Homeowner's exemption | ||
| 2025 | $4,666.00 (-6.83%) Homeowner's exemption | $404,000 (+14.42%) Land $66,800 Building $337,200 | $404,000 (+14.42%) Land $66,800 Building $337,200 |
| 2024 | $5,008.00 | $353,100 (+6.32%) Land $113,800 Building $239,300 | $353,100 (+6.32%) Land $113,800 Building $239,300 |
| 2022 | $332,100 Land $105,200 Building $226,900 | $332,100 Land $105,200 Building $226,900 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2014 · other causes |
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 65 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 |
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