3304 Vernon St, Duluth, MN 55806 Property Records

St. Louis County property record for 3304 Vernon St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 595 sqft · built 1907
Lot Size	0.228 acres (9,947 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (May 2022)
Tax Bill	$290 (2026)
Deeds & Mortgages	May 2022 Sale & Second Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0330-00780`

Property Details

APN / Parcel Number

Primary APN	`010-0330-00780`
Alternative APN	`1130626`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Stories	1 Story
Building Area	595 sqft Base Area
1st Floor Area	595 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,947 sqft (0.228 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	40 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1130626
Street Address	3304 VERNON ST
City	DULUTH
State	MN
Zip	55806-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 & E1/2 OF LOT 6 BLK 6 SERIAL #
Legal Subdivision	BRYANT ADD TO DULUTH FIRST DIV
Legal Block	6
Legal Lot Number	5-6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2002
Census Tract	2600

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	3304 VERNON ST, DULUTH, MN 55806-1327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage SUMMIT MORTGAGE CORP
Aug 24, 2018	Warranty Deed, Transfer · Conventional with PMI LEND SMART MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	20221056878
Prior Transfer Date	Jul 19, 2001
Prior Transfer Doc	0000712333
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 23, 2022
Property Address	3304 VERNON ST, DULUTH, MN 55806-1327
Document Number	0001056878
Instrument Date	May 19, 2022
Instrument	1056878
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$580.80
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3304 VERNON ST, DULUTH, MN 55806-1327

Mortgage

Document Number	0001056880
Date	May 23, 2022
Instrument	1056880

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Mortgage

Document Number	0001056879
Date	May 23, 2022
Instrument	1056879

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2018
Property Address	3304 VERNON ST, DULUTH, MN 55806-1327
Document Number	00A1001943
Instrument Date	Aug 24, 2018
Instrument	A1001943
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.40
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3304 VERNON ST DULUTH MN 558061327, DULUTH, MN 55806-1327

Mortgage

Document Number	A1001944
Date	Aug 24, 2018
Instrument	A1001944

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

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	$290.00 (-17.14%)
2025	$350.00 (+1.16%)	$21,400 (-16.73%) Land $21,400	$21,400 (-16.73%) Land $21,400
2024	$346.00	$25,700 (+13.72%) Land $25,700	$25,700 (+13.72%) Land $25,700
2022		$22,600 Land $22,600	$22,600 Land $22,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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