3423 W 2nd St, Duluth, MN 55807 Property Records

St. Louis County property record for 3423 W 2nd St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 743 sqft · built 1918
Lot Size	0.09 acres (3,959 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Apr 2024)
Tax Bill	$2,064 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4580-00470`

Property Details

APN / Parcel Number

Primary APN	`010-4580-00470`
Alternative APNs	`1081931` `1164892`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	743 sqft Gross Area
1st Floor Area	594 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,959 sqft (0.09 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	60 sqft
Storage Building	70 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1164892
Street Address	3423 W 2ND ST
City	DULUTH
State	MN
Zip	55807-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 10 FT OF LOT 12 AND WLY 20 FT OF LOT13 SERIAL #
Legal Subdivision	WHEELERS ADD TO DULUTH 1ST DIV
Legal Block	2
Legal Lot Number	12-13
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2003
Census Tract	15800

Owner

3423 W 2nd St is owned by an individual who bought it in April 2024.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	915 W 3RD ST, 2, DULUTH, MN 55806-2203
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Jun 9, 2015 · Amount on File
Deed Document Number	20241078610
Prior Transfer Date	Aug 9, 1991
Prior Transfer Doc	0000854577
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 22, 2024
Property Address	3423 W 2ND ST, DULUTH, MN 55807-2804
Document Number	0001078610
Instrument Date	Apr 15, 2024
Instrument	1078610
Transaction Type	Transfer
Record Updated	May 9, 2024
Title Company	ARROWHEAD ABSTRACT AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$557.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 W 3RD ST # 2, 2, DULUTH, MN 55806-2203

Mortgage

Document Number	0001078798
Date	Apr 26, 2024
Instrument	1078798

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year T-Bill
Max Rate	12.7%

Tax Assessment & Valuation

The 2026 property tax bill for 3423 W 2nd St was $2,064, up 1% from the year before.

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	$2,064.00 (+0.98%)
2025	$2,044.00 (+5.47%)	$159,200 (+7.79%) Land $10,200 Building $149,000	$159,200 (+7.79%) Land $10,200 Building $149,000
2024	$1,938.00	$147,700 Land $10,900 Building $136,800	$147,700 Land $10,900 Building $136,800
2022		$115,600 Land $11,200 Building $104,400	$115,600 Land $11,200 Building $104,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3423 W 2nd St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1988.

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
Nearby Flood Claims	2 (1988–2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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

The area around 3423 W 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.

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