3295 Strand Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3295 Strand Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 884 sqft · built 1950
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$162,500 (Oct 2004)
Tax Bill	$1,260 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`415-0010-05660`

Property Details

APN / Parcel Number

Primary APN	`415-0010-05660`
Alternative APN	`1090856`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	884 sqft Gross Area
1st Floor Area	884 sqft
Basement Area	442 sqft
Finished Basement	442 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	87,120 sqft (2 acres)
Garage Area	960 sqft

Exterior Amenities

Deck Area	190 sqft
Cabin	264 sqft
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1090856
Street Address	3295 STRAND RD
City	DULUTH
State	MN
Zip	55803-9758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	BEGINNING AT THE SW CORNER OF SW 1/4 OFNW 1/4 RUNNING THENCE N 12 RODS THENCE E26 2/3 RODS THENCE S 12 RODS THENCE W26 2/3
Legal Range	13W
Legal Township	51N
Legal Section	20
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2023
Census Tract	10500

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	PO BOX 10335, DES MOINES, IA 50306-0335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage SERVION INC
Jun 29, 2020	Deed of Trust, Mortgage · Conventional with PMI HARBOR POINTE CU
Jun 29, 2020	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jun 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 28, 2020	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2004 · Amount on Record
Deed Sale	Oct 12, 2004 · Amount on Record
Deed Document Number	2004785620
Last Transfer Date	Jun 9, 2020
Transfer Doc	0001024588
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3295 STRAND RD, DULUTH, MN 55803-9758
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001038405
Date	Mar 29, 2021
Instrument	1038405

Lender

Name	SERVION INC
Type	Funding / Finance Company
Address	SAINT PAUL, MN 55112

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3295 STRAND RD, DULUTH, MN 55803-9758
Document Number	00T1025612
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3295 STRAND RD DULUTH MN 558039758, DULUTH, MN 55803-9758

Mortgage

Document Number	00T1025612
Date	Jul 9, 2020
Instrument	T1025612

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jul 8, 2025

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3295 STRAND RD, DULUTH, MN 55803-9758
Document Number	00T1025613
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3295 STRAND RD DULUTH MN 558039758, DULUTH, MN 55803-9758

Mortgage

Document Number	00T1025613
Date	Jul 9, 2020
Instrument	T1025613

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2035

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2020
Property Address	3295 STRAND RD, DULUTH, MN 55803-9758
Document Number	00T1024588
Instrument Date	Jun 9, 2020
Instrument	T1024588
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3295 STRAND RD DULUTH MN 558039758, DULUTH, MN 55803-9758

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3295 STRAND RD, DULUTH, MN 55803-9758
Document Number	00T1020272
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3295 STRAND RD DULUTH MN 558039758, DULUTH, MN 55803-9758

Mortgage

Document Number	00T1020272
Date	Feb 5, 2020
Instrument	T1020272

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 4, 2030

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
County Subdivision	Lakewood Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,260.00 (+23.05%) Homeowner's exemption
2025	$1,024.00 (+1.79%) Homeowner's exemption	$269,900 (+13.59%) Land $59,900 Building $210,000	$269,900 (+13.59%) Land $59,900 Building $210,000
2024	$1,006.00	$237,600 (+11.18%) Land $55,400 Building $182,200	$237,600 (+11.18%) Land $55,400 Building $182,200
2022		$213,700 Land $51,000 Building $162,700	$213,700 Land $51,000 Building $162,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 2 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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000

May also be available: Verizon.

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