3451 Riley Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3451 Riley Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,824 sqft · built 2022
Lot Size	7.12 acres (310,147 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Aug 2020)
Tax Bill	$8,298 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`415-0010-07520`

Property Details

APN / Parcel Number

Primary APN	`415-0010-07520`
Alternative APN	`1076890`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,824 sqft Gross Area
1st Floor Area	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Other
Construction Type	Frame
Lot Area	310,147 sqft (7.12 acres)
Garage Area	2,468 sqft
Porch	Slab
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1076890
Street Address	3451 RILEY RD
City	DULUTH
State	MN
Zip	55803-8712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	THAT PART OF SW1/4 OF NW1/4, DESCRIBED ASFOLLOWS: COMMENCING AT THE SOUTHWEST CORNEROF SAID SW1/4 OF NW1/4; THENCE NORTH,
Legal Range	13W
Legal Township	51N
Legal Section	30
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2039
Census Tract	10500

Owner

3451 Riley Rd is owned and occupied by an individual who acquired it in December 2021.

Source: St. Louis County records, as of October 20, 2026

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

Owner of Record	Individual Name on File
Mailing Address	3451 RILEY RD, DULUTH, MN 55803-8712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Dec 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF PROCTOR
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF PROCTOR
Dec 30, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 30, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 28, 2020	Warranty Deed, Transfer NORTH SHORE TITLE
Sep 20, 2019	Grant Deed, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2020 · Amount on File
Deed Sale	Aug 28, 2020 · Amount on File
Deed Document Number	20201028127
Last Transfer Date	Dec 30, 2021
Transfer Doc	0001051635
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 RILEY RD, DULUTH, MN 55803-8712

Mortgage

Document Number	0001525256
Date	Dec 30, 2025
Instrument	1525256

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 RILEY RD, DULUTH, MN 55803-8712

Mortgage

Document Number	0001097715
Date	Dec 26, 2025
Instrument	1097715

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 RILEY RD, DULUTH, MN 55803-8712
Investor	Possibly a Property Investor

Mortgage

Document Number	0001440438
Date	Apr 5, 2022
Instrument	1440438

Lender

Name	THE FIRST NATIONAL BANK OF PROCTOR
Type	Bank
Address	DULUTH, MN 55810

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Mar 18, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 RILEY RD, DULUTH, MN 55803-8712
Investor	Possibly a Property Investor

Mortgage

Document Number	0001055135
Date	Apr 5, 2022
Instrument	1055135

Lender

Name	THE FIRST NATIONAL BANK OF PROCTOR
Type	Bank
Address	DULUTH, MN 55810

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Mar 18, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 30, 2021
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Document Number	0001051635
Instrument Date	Dec 30, 2021
Instrument	1051635
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 JEAN DULUTH RD, DULUTH, MN 55803-9762

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 30, 2021
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Document Number	0001051634
Instrument Date	Apr 16, 2021
Instrument	1051634
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5022 JEAN DULUTH RD, DULUTH, MN 55803-9762

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 28, 2020
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Document Number	00T1028127
Instrument Date	Aug 17, 2020
Instrument	T1028127
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$330.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5149 LAKEWOOD RD DULUTH MN 558042843, DULUTH, MN 55804-2843

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 20, 2019
Property Address	3451 RILEY RD, DULUTH, MN 55803-8712
Document Number	00T1015254
Instrument Date	Aug 8, 2019
Instrument	T1015254
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$330.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5149 LAKEWOOD RD DULUTH MN 558042843, DULUTH, MN 55804-2843

Tax Assessment & Valuation

The 2026 property tax bill for 3451 Riley Rd was $8,298 with a homeowner's exemption, up 21% 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
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	$8,298.00 (+20.96%) Homeowner's exemption
2025	$6,860.00 (+43.88%) Homeowner's exemption	$695,000 (+20.33%) Land $107,800 Building $587,200	$695,000 (+20.33%) Land $107,800 Building $587,200
2024	$4,768.00	$577,600 Land $99,000 Building $478,600	$577,600 Land $99,000 Building $478,600
2022		$74,800 Land $33,900 Building $40,900	$74,800 Land $33,900 Building $40,900

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

Flood

FEMA maps place 3451 Riley Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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

Wildfire risk around 3451 Riley Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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 31 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: T-Mobile.

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